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GA BOOSTER CAPSULE – 2019

GA BOOSTER CAPSULE – 2019

Table of Contents

1. Banks in NEWS ...... 4 2. Digital Initiatives by Banks ...... 11 3. Mergers in Indian Banking Industry ...... 12 4. Indian Currency Notes ...... 14 5. Currency Printing & Coin Minting in India...... 15 6. Types of Banking...... 16 7. Digital Banking ...... 18 9. Monetary Policies ...... 20 10. Important Acts ...... 21 11. Important Financial Institutions ...... 21 12. NBFCs ...... 25 13. Electoral Bonds ...... 27 14. Electronic Fund Transfer at Point of Sale ...... 27 15. Priority Sector Lending ...... 27 16. KYC ...... 28 17. NPA and Recovery ...... 28 18. Financial Inclusion ...... 30 19. Banking Ombudsman Scheme ...... 31 20. Abbreviations ...... 31 21. Capital Market ...... 32 22. Money Market ...... 34 23. Basel Norms ...... 35 24. Maharatna, Navratna & Miniratna Category of PSEs ...... 35 25. List of International Airports in India ...... 37 26. List of Revolutions in India ...... 38 27. Indian & International Bank Taglines ...... 39 28. Union Cabinet Ministers & their Constituency ...... 40 29. Census 2011 ...... 41 30. Rivers, Dams & States ...... 42 31. List of Major Ports in India ...... 43 32. Major Atomic/Thermal/Hydro Power Plants...... 44 GA BOOSTER CAPSULE – 2019

33. List of Upcoming Sports Venues ...... 46 34. List of New Appointments ...... 48 35. National Parks & Wildlife Sanctuaries ...... 50 36. Important Days ...... 52 37. Joint Military Exercises ...... 53 38. Reports & Indices...... 54 39. Classical Folk Dances ...... 55 40. Stock Exchanges Around the World ...... 56 41. Nick Names of Cities ...... 56 42. International Organisations & Headquarters ...... 56 43. Famous Temples ...... 57 44. Stadiums in India ...... 58 45. Boundary Lines ...... 58 46. Books & Authors ...... 59 47. Nobel Prize Winners 2018 ...... 60 48. UNESCO World Heritage Site ...... 61

GA BOOSTER CAPSULE – 2019

1. Banks in NEWS

ICICI Bank RBI slaps a fine of Rs.1 Crore on ICICI Bank for delay in compliance with directions Updated Schemes/New Launches related to global messaging software Swift. ICICI Prudential AMC launched Bharat Consumption Scheme which aims at taking ESAF Ltd advantage from the India’s fastest growing consumption market. About ESAF Small Finance Bank Ltd The Open Ended Equity Scheme was open for Chairman - R Prabha, Headquarters - the period from March 26 to April 9, 2019. , ICICI Securities and Bank In News (BSE) has launched 'eATM' facility to enable ESAF is now ‘scheduled bank’ ESAF Small users to receive the pay-out within 30 Finance Bank Ltd has received the RBI’s minutes of selling the shares. The new approval for inclusion in the second schedule service has a cap of ₹50,000 per client a day of the RBI Act, 1934. and is applicable on about 600 stocks listed on the BSE. Partnerships/Tie-Ups (PNB) ICICI Lombard General Insurance has entered into a partnership with MobiKwik to provide Updated Schemes/New Launches cyber insurance cover for its mobile wallet Punjab National Bank has sanctioned loans users. The insurance can be bought through worth ₹689 crore to over 1,600 Micro, Small the app at only ₹99 per month for a sum of and Medium Enterprises (MSMEs) through ₹50,000. the psbloansin59minutes.com portal. Xiaomi and ICICI Bank have entered into an In November 2018, PM Modi announced the agreement for providing the role of the launch of the 59 minute loan portal to payment service provider to Xiaomi enable easy access to credit for MSMEs. customers. Under the Mudra Yojana, the bank has ICICI Lombard has entered into a tie-up with offered loan to over 2.69 lakh small AnyTimeLoan.in (ATL), a peer-to-peer entrepreneurs. lending platform. Main aim is to de-risk Partnerships/Tie-Ups exposure of lenders and borrowers arising PNB has partnered with the Uttar Pradesh from uncertainties such as accidents, critical government to create a model for digitization illness, death, disability, etc. The ATL will be at Kumbh Mela 2019. For convenient and facilitating loans as small as ₹ 1000 to ₹10 hassle-free transactions at these shops, the lakh for a minimum period of 1 day to a bank has created the 'PNB Rupay' card which maximum of 3 years. works even without the internet. Bank In News PNB has signed an MoU with Indian Army on ICICI Bank terminated the contract of former the Defence Salary Package to provide free managing director and CEO ‘RAKSHAK ’ Scheme. PNB will provide for violating the bank’s code of conduct. Ms. overdraft facility range from Rs 0.75 to 3.0 Kochhar, assumed charge as MD and CEO of lakhs, multicity ‘At Par’ cheques, instant ICICI Bank on May 1, 2009 and resigned in credit of outstation cheques, preferential October 2018. allotment of lockers at concessional AMC and free SMS alerts.

GA BOOSTER CAPSULE –2019

IDFC First Bank Awards & Achievements has won Data Science Innovation About ESAF Small Finance Bank Ltd Award of the 9th edition of Aegis Graham MD & CEO - V. Vaidyanathan, Vice Chairman Bell Award 2018 for its ‘Yes Engage Enrich - Rajiv Lal Excel (EEE)’ project in data science. YES Bank In News Bank’s EEE program is an industry-first IDFC Bank has been merged with NBFC analytics tool that aids the Bank’s relationship 'Capital First' on 18 December 2018. Now it managers with top 3 talking points to engage will be known as IDFC First Bank. with their customers. Aegis Graham Bell Award promotes India Post Bank innovations and entrepreneurship in the ICT domain. Bank In News Partnerships/Tie-Ups India Post has launched Yes Bank has partnered with Government of internet banking services for all the Post Maharashtra to empower more than 20,000 Office Savings Bank (POSB) account holders ration shops i.e. e-PDS which can offer last on 14 December 2018. mile basic banking services to more than seven lakh beneficiaries. Bank In News YES Bank has charged with a fine of Rs. 1 Awards & Achievements crore for non-compliance of directions on Indian Bank has received The Best Bank Swift messaging software by RBI. Award from the government on 3 March 2019. IDBI The award was handed over to the executive director of Indian bank M K Bhattacharya, by Updated Schemes/New Launches CM of TN, K Palaniswami for meeting the IDBI Bank has launched 'NRI-Insta-Online' needs of women's self-help groups (SHGs). account opening process for NRIs residing in Bank In News the Financial Action Task Force (FATF) Indian Bank was imposed a fine of Rs 1 crore member countries. Henceforth, the person on for violating cybersecurity norms on 11 will not be required to furnish physical December 2018 by RBI. documents as well as KYC proofs for opening an account with the bank. IndusInd Bank Bank In News YES Bank has charged with a fine of Rs. 1 Awards & Achievements crore for non-compliance of directions on IndusInd Bank’s Romesh Sobti, MD & CEO Swift messaging software by RBI. has been selected as the ‘Business Standard IDBI Bank has been categorised as a private Banker’ of the Year for 2017-18. He received sector bank by the Reserve , this award earlier in 2013-14. with effect from January 21, 2019 post its Bank In News acquisition by Life Insurance Corporation of India (LIC). Merger of IndusInd Bank & Bharat Financial

Inclusion Limited (BFIL) has been approved by National Company Law Tribunal (NCLT).

Post-merger, BFIL will become a subsidiary of the Indian Bank. Partnerships/Tie-Ups BFIL is a non-banking finance company, BoM has joins the M1Xchange Trade licensed by the . Receivables Discounting System (TReDS) platform.

YES Bank GA BOOSTER CAPSULE –2019

This will help bill discounting for micro, small Dr. MS Sahoo (Chairperson-IBBI) & Mr. and medium enterprises to get their bills Rajnish Kumar (Chairman-SBI) also financed at a competitive rate through an attended the workshop. auction where multiple registered financiers A consortium of banks led by State Bank of can participate. India has agreed to provide finance for Bank In News Nagpur- 'Samruddhi Corridor' Bank of Maharashtra (BoM) was imposed a expressway project. fine of Rs 1-crore by RBI for non-compliance The consortium includes Punjab National of 'Know Your Customer' guidelines and Bank, , Bank of Maharashtra fraud-classification norms. and the Life Insurance Corporation (LIC) of Earlier in 2018, also the RBI had imposed a India. SBI has agreed to lend the highest fine of Rs 1 crore on for delay to detect and amount, 8,500 crore rupees among other report fraud in an account. lenders. (SBI) raised Rs. 1,251.30 State Bank of India crore by issuing Basel III-compliant bonds. SBI has launched a new system for cardless About State Bank of India ATM withdrawal known as YONO Cash which SBI Life Insurance CEO & MD - Sanjeev Nautiyal, will enable SBI customers to withdraw cash SBI General Insurance CEO - Pushan Mahapatra without a physical debit card using a secured Partnerships/Tie-Ups two-factor authentication process. ATMs enabled for this service will be termed SBI Life has signed a bancassurance pact with to sell SBI Life Insurance YONO Cash Point. products through various branches of SBI has launched a novel product called ‘Green Allahabad Bank. Car Loan’ to encourage its customers to buy Bancassurance is an arrangement through electric vehicles (EVs) in the country. which an insurance company can sell its The interest rates on these loan will be 20 basis products through a bank. points lower than SBI’s existing auto loans. Bank In News The scheme comes with the longest repayment SBI will cease to be EPFO fund manager for period of up to 8 years. retirement fund by the end of March 2019. As In a move to benefit its customers, SBI has re- to RBI rules, a bank cannot function as an priced its home loans up to Rs 30 lakh by 10 asset management company. basis points. Accordingly, the interest rate on Currently, SBI, ICICI Securities Primary housing loans of such size will now be in the Dealership, Reliance Capital, HSBC AMC and range of 8.6 to 8.9%. UTI AMC are fund managers of the EPFO. The interest rate on housing loans of such size The State Bank of India’s UK chief Mr. Sanjiv will now be in the range of 8.6 to 8.9%. Chadha has been honoured with the SBI was slapped a fine of Rs 1 crore by RBI as ‘Freedom of the City Of London’ by the city of penalty for violating norms by not monitoring London Corporation in recognition of his the end use of funds in respect of one of its contribution to promoting the bilateral borrowers. relations. RBI levied the penalty in the exercise of powers Pt. Jawaharlal Nehru was the previous conferred under Section 47 A of the Banking Indian recipient of this award and other Regulation Act, 1949. recipient includes author JK Rowling and Partnerships/Tie-Ups actor Dame Judi Dench. SBI has partnered in an initiative by Ministry of “Committee of Creditors: An Institution of Public Faith” was organised in Mumbai, by Housing and Urban Affairs, SWAGAT – the the Insolvency and Bankruptcy Board of India Automatic Fare Collection Gating System. (IBBI), jointly with SBI & Indian Institute of Bharat Electronics has launched SWAGAT as a Corporate Affairs (IICA). part of the inaugural of Phase-I of the Metro. GA BOOSTER CAPSULE –2019

SBI has launched a doorstep banking service for reserves and the government approved senior citizens over 70 years of age and securities. differently-abled customers. Eligible customers can avail this service at a Partnerships/Tie-Ups nominal fee of 100 rupees per transaction for ICICI Lombard General Insurance has entered financial transactions and 60 rupees for non- into a partnership with MobiKwik to provide financial transactions. cyber insurance cover for its mobile wallet Cash pickup and delivery, cheque pickup, and users. The insurance can be bought through cheque book slip, are some of the services that the app at only ₹99 per month for a sum of will be provided. ₹50,000. SBI General Insurance launched a cyber defence Xiaomi and ICICI Bank have entered into an agreement for providing the role of the insurance product to protect businesses from payment service provider to Xiaomi financial and reputational losses due to cyber customers. attacks. ICICI Lombard has entered into a tie-up with This offers protection against the growing AnyTimeLoan.in (ATL), a peer-to-peer threat of cyber breaches like hacking attacks, lending platform. Main aim is to de-risk identity theft, and business interruption. exposure of lenders and borrowers arising from uncertainties such as accidents, critical Reserve Bank of India illness, death, disability, etc. The ATL will be facilitating loans as small as ₹ 1000 to ₹10 Updated Schemes/New Launches lakh for a minimum period of 1 day to a The Reserve Bank of India launched a 'Survey maximum of 3 years. on Retail Payment Habits of Individuals Bank In News (SRPHi)' on 26 December 2018. The survey Reserve Bank of India has decided to will be conducted in Delhi, Mumbai, , liberalise external commercial borrowing , Bengaluru, and Guwahati. (ECB) norms, to improve ease of doing RBI has shortlisted TCS, Wipro, IBM India, business. Hence RBI has allowed all Capgemini Technology Services India, Dun & companies that are eligible for receiving FDIs, Bradstreet Information Services India, and to raise funds through the ECB route. Mindtree Ltd. to set up a digital Public Credit The RBI has set the minimum average Registry (PCR). maturity period at 3 years for all ECBs, RBI has set up a six-member 'Economic irrespective of the amount of borrowing. Capital framework' Committee headed by The RBI has decided to limit the liability of former RBI Governor Bimal Jalan along with customers in case of unauthorised electronic members Subash Chandra Garg, Economic payment transactions in Prepaid Payment Affairs Secretary, N.S. Vishwanathan, RBI Instruments (PPIs) issued by non-banks. Deputy Governor and two board members of If the fraud is reported between 3 to7days, the RBI. then the customer’s liability will amount to RBI has tweaked the Gold Monetisation the transaction value or Rs. 10,000. Scheme and now it has been extended to RBI has injected 10,000 crore rupees into the charitable institutions, Central Government, banking system through the purchase of State Government or any other entity owned government securities on 17 January 2019 to by the Government. increase liquidity. The purchase will be made The government of India had launched the through Open Market Operations (OMOs). GMS in 2015 to mobilise the gold held by Rs 37,500 crore was injected into the system households and institutions in the country. through OMOs in February. RBI to cut SLR gradually to 18% by mid-2019. OMO refer to the buying and selling of The current SLR is 19.5% government securities in the open market in SLR is the portion of funds which banks are order to increase or decrease the amount of required to maintain in the form of gold money in the banking system. GA BOOSTER CAPSULE –2019

RBI has constituted a high-level committee RBI has relaxed the norms for white-label that will work towards deepening digital ATM (WLA) operators and allowed them to payments in India. The committee will be buy wholesale cash directly from the Reserve headed by Nandan Nilekani. The committee Bank of India. would submit a report to the RBI every three The RBI has also permitted WLA operators to months to strengthen the safety and security source cash from any bank, including of digital payments. cooperatives and regional rural banks. WLAs The RBI has created a single category of NBFC are owned and operated by non-bank entities by merging their present three-tier structure. on behalf of the banks. Hence now, Asset finance, loan, and RBI has again postponed the rollout of the investment companies have been merged into new accounting standards (IndAS). The loan- a new category called NBFC- Investment and loss provision under the IndAS is recognised Credit Companies. This will provide greater based on the expected credit loss (ECL) operational flexibility to NBFCs. model. RBI has declared an interim dividend of Rs As per RBI's recent report, India’s current 28,000 crore to the government. account deficit (CAD) for the third quarter This is the second successive year when the narrowed to 2.5% of the GDP compared with RBI will be transferring an interim surplus. 2.9% in the Q2. However, on a year-on-year The transfers its surplus amount basis, CAD in the October-December period to the government, under Section 47 of the widened from 2.1% or $13.7 billion. RBI Act, 1934. RBI has decided to alter the definition of bulk The Reserve Bank of India raised the limit for deposits as single deposits of Rs 2 crore and collateral free agriculture loans to ₹1.6 lakh above, in the recent monetary policy review. from ₹1 lakh. RBI set to bring back ‘exotic currency bets’ The increased limit will enhance coverage of after a decade, by lifting the ban on ‘exotic small and marginal farmers in the formal currency derivatives’. They are the double- credit system. edged, fancy products that were banned in 2007-08 amid allegations of mis-selling. The RBI has allowed the card payment providers RBI becomes the 1st central bank in the to offer 'Tokenisation' services. to ensure the Asia-Pacific Region to begin an explicit safety of digital transactions and reduce the interest rate easing cycle buoyed by benign chances of fraud. It involves a process in which food inflation and easier global financial a unique token hides the sensitive card details. condition. The token is used to perform card transactions According to the Reserve Bank data released in contactless mode at Point Of Sale (POS) on 11 April 2019, bank credit rose 13.24% to terminals, Quick Response (QR) code payments, Rs 97.67 lakh crore for the fortnight to 29 etc. March 2019. The deposits grew by 10.03% to The Reserve Bank of India withdrew the 20% Rs 125.72 lakh crore during the same period. limit on investments by FPIs in corporate The RBI has put into circulation 50 rupees bonds of an entity. This has been done with a denomination banknotes signed by its view to encourage more foreign investments. Governor Shaktikanta Das. The design of these notes is similar in all respects to 50 RBI has relaxed norms for trade for imports of capital and non-capital goods by raising the banknotes in Mahatma Gandhi new series. All trade credit limit to USD 150 million under banknotes in the denomination of 50 issued the automatic route. by the Reserve Bank in the past will continue Oil and gas refining & marketing, airline and to be legal tender. shipping companies can avail trade credits The Reserve Bank of India (RBI) has reported under the automatic route. For others, the that Exim Bank has provided soft loans of limit is up to USD 50 million or equivalent USD 266.60 million to Rawanda for various per import transaction. projects. The funding is done in 3 separate tranches to support\ agricultural projects, development GA BOOSTER CAPSULE –2019

of special economic zones (SEZs) and for HDFC Bank has been identified as No.1 Bank financing road projects. by customers in India, as per Forbes World's USD 66.60 million is being funded for the Best Bank survey. In the first edition of its Base-ButaroKidaho Road Project. The RBI survey, Forbes partnered with market has put into circulation 50 rupees research firm Statista to measure the best denomination banknotes signed by its banks in 23 countries. Governor Shaktikanta Das. The design of HDFC Bank emerged as India’s No 1 bank. these notes is similar in all respects to 50 ICICI Bank was at number 2 and SBI was banknotes in Mahatma Gandhi new series. All surprisingly ranked 11th in the list. HDFC’s banknotes in the denomination of 50 issued MD & CEO : Aditya Puri. by the Reserve Bank in the past will continue HDFC Bank Ltd crossed the ₹6 trillion market to be legal tender. capitalisation for the first time on 13 March The RBI has set the average base rate to be 2019, making it only the country's third firm charged from borrowers by NBFCs and Micro- to achieve the milestone. Finance Institutions (MFIs) at 9.21% for the HDFC Bank's stock gained for the fifth first quarter of the next fiscal. session in a row, rising as much as 6% during With this divestment, the government now the period. holds 100% stake in both these financial Tata Consultancy Services Ltd (TCS) and institutions. Reliance Industries Ltd (RIL) are the other 2 RBI has sold its entire stake in National companies to cross it. Housing Bank (NHB) and the National Bank HDFC MF becomes the largest AMC in India for Agriculture & Rural Development surpassing the ICICI Prudential MF to become (NABARD) to government for Rs 1,450 crore the country's largest asset management and Rs 20 crore respectively. company. HDFC manages assets of Rs 3.35 The RBI comes out with the average of the lakh crore, while those of ICICI Prudential MF base rates of the five largest commercial stood at Rs 3.08 lakh crore. SBI MF is at the banks for the purpose of arriving at the third place with Rs 2.64 lakh crore, followed interest rates to be charged by NBFC-MFIs to by Aditya Birla Sun Life MF (Rs 2.42 lakh its borrowers. crore) and Reliance MF (Rs 2.36 lakh crore). The RBI removed Bank of India, Bank of HDFC Asset Management Co. Ltd has claimed Maharashtra (BoM) and Oriental Bank of the top spot with an average AUM of Rs.3.42 Commerce (OBC) from Prompt Corrective trillion. It overtook ICICI Prudential Asset Action (PCA) Framework. Management Co. Ltd with an average AUM of at Rs.3.20 trillion NABARD

About ESAF Small Finance Bank Ltd Chairman - Harsh Kumar Bhanwala, Headquarters - Mumbai Bank In News NABARD has announced that it will provide early-stage capital to agriculture and rural enterprises through its venture capital entity, 'NABVENTURES Ltd' on 7 January 2019, NABVENTURES Ltd has been incorporated by NABARD under the Companies Act.

HDFC Bank

Bank In News GA BOOSTER CAPSULE –2019

Public sector banks' Provision Coverage Ratio (PCR) has increased to 66.85% as of September 2018. In 2015, the PCR was less than 50% The provision coverage ratio (PCR) gives an indication of the provision made against bad loans from the profit generated. Higher the PCR, lower is the unexposed part of the bad debts. Zimbabwe has formally started trading new currency as it tries to ease a shortage of dollars that crushed its economy. The initial rate for the southern African nation’s currency, known as RTGS dollars, will be 2.5 per US dollar. The official inflation rate has soared to 57% from less than 4% a year ago.

Bank of Baroda

Bank In News Bank of Baroda's proposed merger with Dena and will be affected from 1 April 2019. The scheme has been named as 'Amalgamation of VijayaBank and with Bank of Baroda'. As per the Scheme, shareholders of Vijaya Bank will get402 Bank In News equity shares of BoB for every 1,000 shares Kotak stated that it will charge customers for held. Dena Bank will receive 110 equity UPI transactions starting form 1st of May shares of BoB for every 1,000 equity shares 2019. For each Kotak Bank account, the first held. 30 UPI fund transfers will be free, after which The Finance Ministry has decided to infuse Rs a charge will be levied on all fund transfers 5,042 crore into state-owned Bank of Baroda. from the bank account. It is done ahead of the merger of two other This will be applicable across all platforms, public sector lenders Dena Bank and Vijaya including , PhonePe, or Bank with Bank of Baroda. Truecaller Pay among others. Bank of Baroda will develop an agri-digital The bank will charge Rs 2.50 per transaction platform called 'Baroda Kisan' in order to for an amount value below or equal to Rs provide solutions for all major agricultural 1,000, and Rs 5 per transaction will be levied requirements. Six companies -- Skymet for a payment value above Rs 1,000. Weather Services, Weather Risk Management Services, BigHaat, Agrostar India, EM3 Agri Services and Poorti Agri Services -- have signed a memorandum of understanding Bank In News (MoU) with the bank for this project. South Indian Bank raised up to ₹250 crore by issuing Basel III-compliant bonds. The bonds will be rated, unsecured, Other Banks In News redeemable, and nonconvertible bearing face value of ₹1 lakh each. Bank In News Basel III is compliant and lower tier 2 bonds up to ₹150 crore. GA BOOSTER CAPSULE –2019

The Finance Ministry has decided to keep the unique platform for wholesale interest rate unchanged on small savings cryptocurrency trading. • It is also known as schemes for the 3 month period beginning 1 OTC (Over-the-counter) Desk that allows April 2019. users to trade on a large scale with low price The announcement covers small-saving fluctuations. schemes such as the Post Office Saving IMF & World Bank have together launched a Accounts, Post Office Time Deposits, National private blockchain with a pseudo-token, Saving Certificates (NSC) etc. The unchanged called “Learning Coin”. It will be only interest rate means the NSC (5 years) and the accessible within the IMF and World Bank, to PPF (15 years) will fetch 8% interest. teach relevant individuals within the Signs Rs 2,000 crore Term Loan organizations about blockchain. Pact with NTPC to be used to part finance its Though the coin has no real value – hence the capital expenditure. The loan has a door to description pseudo-token – staff members door tenure of 15 years and will be utilised to who pass educational milestones will receive part finance the capital expenditure of the the tokens which can then be redeemed for NTPC. certain rewards. Canara Bank Becomes The First Public Sector Fincare Small Finance Bank (SFB) has been Bank In India to Meet RBI’s EMV Mandate. awarded the prestigious Celent Model Bank Deposits In Jan Dhan Accounts are set to cross 2019 Award in the category of Financial Rs 1 Lakh Crore mark. On 3rd April, the total Inclusion, for 'Redesigning Lending to Reach balance in the Jan Dhan accounts was at Rs Small Businesses'. 97,665.66 and the total number of Jan Dhan JP Morgan becomes the first to create accounts crossed 35.39 crores. cryptocurrency, called 'JPM Coin'.It will More than 27.89 crores account holders have always have a value equivalent to one US been issued the Rupay debit cards. The dollar. It will be initially used internally government increased the accident insurance between JPMorgan Chase's wholesale cover to Rs 2 lakh from Rs 1 lakh for new business clients. The bank had also built an accounts opened after 28th August 2018 and Ethereum-based blockchain platform for the overdraft limit was also doubled to Rs business customers in 2018. 10,000. BuyUcoin, second oldest Cryptocurrency Exchange in India, has introduced a new and

2. Digital Initiatives by Banks

Bank Scheme and Apps

AIRTEL + Airtel Money

Axis Bank Power Salute: Banking Offers exclusive to Defence Personnel

LIME App: Country’s 1st App which is a with payments, banking and shopping facilities.

Axis bank launched Kisan credit card through which farmers can avail credit upto 250 lakh for a maximum term of 5 years. Card is also giving benefit of insurance coverage of upto Rs 50000/- GA BOOSTER CAPSULE –2019

Initiator of ‘Indian Green Card’ for farmers. Started in 1980s.

Citi Bank Launched instant chat services for its customers named Citibank Online. It is first such customer support service in India by a Bank.

IRA (Intelligent Robotic Assistant), a ‘humanoid’ at its Mumbai branch

ICICI EazyPay App for merchants. It allows all in one acceptance payments platform

ICICI M-Pesa along with Vodafone

Kotak KayPay: Facebook-based funds transfer platform Mahindra Bank Kotak Bharat - mobile banking app

Kotak has become the 1st bank to launch debit card-based authentication solution on NPCI’s e-Mandate (electronic mandate) API (Application Program Interface) platform.

RBL Bank India’s first credit card exclusively for GOLF LOVERS

‘Aadhaar Payment Bridge System’ (APBS) for small ticket microfinance loan disbursement

SBI YONO (You Only Need One App)- One app for all the banking, shopping and investment needs.

YONO Cash Point – Customers can withdraw cash without a physical debit card from ATMs using secured two-factor authentication process.

SBI-Intouch-Digital branches across the country with an aim to offer advanced banking services like instant loan approvals, assistance in choosing investment portfolios and access to latest mutual funds among others.

3. Mergers in Indian Banking Industry GA BOOSTER CAPSULE –2019

Name of the Name of the Year of Bank of ICICI Bank 2010 Banks Banks that got Merging Rajasthan Acquired Merged State Bank of State Bank of 2009 India Indore Lakshmi Vilas Indiabulls 2019 Bank (proposed) State Bank of State Bank of 2008 India Saurashtra Bharat IndusInd Bank Financial 2019 Centurion Bank (in Process) HDFC Bank 2008 Inclusion of Punjab

Bandhan Bank (in Centurion Gruh Finance 2019 Lord Krishna Process) Bank of 2007 Bank Punjab IDFC & Capital IDFC First 2019 First Indian Bharat Overseas Overseas 2007 Bank Punjab Gramin Bank Bank, Malwa New Regional Gramin Bank, and 2019 United Western Rural Bank IDBI Bank 2006 Sutlej Gramin Bank Ltd. Bank Ganesh Bank of 2006 Dena Bank, Vijaya Kurundwad Bank of Bank, Bank of 2019 Baroda Baroda 2005 Bank (BoP) Bharatiya Mahila 2017 Bank (BMB) IDBI Bank IDBI Limited 2005 Limited State Bank of 2017 Travancore (SBT) Oriental Bank Global Trust Bank 2004 of Commerce (GTB) State Bank of Bikaner and 2017 Punjab 2003 SBI Jaipur (SBBJ) National Bank

State Bank of Bank of Benares State 2017 2002 Hyderabad (SBH) Baroda Bank

State Bank of ICICI Bank 2017 ICICI Limited 2002 Mysore (SBM) Limited

State Bank of ICICI Bank 2001 2017 Patiala (SBP) HDFC Bank 2000 Kotak Union Bank of Mahindra ING Vysya Bank 2016 Sikkim Bank 1999 Bank India GA BOOSTER CAPSULE –2019

State Bank of Kashinath State Allahabad United Industrial 1995 1989 India Bank Bank Bank Limited

Bank of India Bank of Karad 1994 Central Bank Purvanchal Bank 1990 of India Ltd. Punjab New Bank of 1993 National Bank India Parur 1990 Bank Ltd. State Bank of Bank of Cochin 1985 India State Bank of National Bank of 1970 India Lahore Ltd. Lakshmi Canara Bank 1985 Commercial Bank State Bank of Bank of Bihar Ltd 1969 India Bank of South Gujarat 2004 Baroda Local Area Bank Hindustan Punjab Commercial Bank 1986 National Bank Bareilly Ltd. Bank of 1998 Baroda Ltd. Bank of Indian Bank 1990 Thanjavur Ltd Oriental Bank Bari Doab Bank 1997 of Commerce Ltd Bank of Traders Bank Ltd 1988 Baroda Oriental Bank Punjab Co- 1997 of Commerce operative Bank Indian Bank of Tamil Overseas 1990 Nadu Bank

4. Indian Currency Notes

Currency Dimen Motifs/ Colour 50 66x13 Hampi Fluoresce Notes -sions Design 5 with nt Blue (mm) Chariot

10 63x12 Sun Chocolate 100 66×14 Rani Ki Lavender 3 temple brown 2 Vav

20 63x12 Ellora Greenish 200 66x14 Sanchi Bright (propose 9 caves Yellow 6 Stupa Yellow d) 500 44x15 Red Fort Stone 0 Grey GA BOOSTER CAPSULE –2019

2000 66x16 Mangalyaa Magenta 6 n

5. Currency Printing & Coin Minting in India

Currency Printing and Coin Minting in India is January 2006 in . SPMCIL prints bank mainly catered by two organisations, namely notes not only for India but also for foreign Bharatiya Reserve Bank Note Mudran Private countries like Iraq, Nepal, Sri Lanka, Myanmar Limited (BRBNMPL) and Security Printing and Bhutan. It has following Currency Presses and Minting Corporation of India Limited and Coin Mints under it: (SPMCIL).

Bharatiya Reserve Bank Note Mudran Pvt Ltd is a wholly owned subsidiary of RBI supplying a major portion of bank note requirement in India. The BRBNMPL was incorporated as a Private Limited Company on 3rd February 1995. It has two currency presses under it:

Nashik - The bank note printing in India started in 1928 with the establishment of India Security Press at Nashik by Government of India.

Dewas (MP) - The second bank note printing press was established in Dewas (Madhya

Pradesh) in 1975 by Government of India. Mysore - The demand for banknotes has been steadily increasing. To bridge the demand and Coin Minting in India supply gap, the Government of India decided to establish the new bank note printing press at Mysore(Karnataka).

Salboni – Salboni or Salbani, situtated in West Bengal is the second unit under BRBNMPL. The present capacity of both the presses is around 16 million note pieces per year.

The Bharatiya Reserve Bank Note Mudran Pvt Ltd made a world record in the financial year 2016-17 by printing more than 20,000 million pieces of bank notes.

Security Printing and Minting Corporation of India Ltd is wholly owned Mini-Ratna Central Public Sector Enterprise (CPSE) under Government of India. It was established on 13th

GA BOOSTER CAPSULE –2019

Mumbai - It was established in 1829. mint marks from Hyderabad include a split Bombay(Mumbai) Mint has a diamond under diamond and a dot in the diamond. the date of the coin(year of issue). Cherlapally (Hyderabad) - It was established in Alipore (Kolkata) - It was established in 1757. the 17th century. Hyderabad Mint has a star Kolkata mint has no mark under the date of the under the date of the coin(year of issue). The coin(year of issue). other mint marks from Hyderabad include a split diamond and a dot in the diamond. Saifabad (Hyderabad) - It was established in the 17th century. Hyderabad Mint has a star under Noida (UP) - It was established in 1988. Noida the date of the coin(year of issue). The other mint has a dot under the year of issue(coin date).

6. Types of Banking

Check below the different types of banking: Types of Banks Merchant Banking Narrow Banking (Safe Banks) Overseas Banking Green Banking Offshore Banking Retail Banking Islamic Banking Wholesale Banking Para banking Universal Banking

Merchant Banking (1) Islamic banking is a kind of banking activity (1) Deals in commercial loans and investments. which strictly follows the principles of the (2) Purpose: Facilitate and/or finance Islamic law (Sharia). production and trade of commodities. (2) A better and more apt term for Islamic (3) Offerings: Issue management, portfolio banking is Sharia Compliant Finance. management, credit syndication, acceptance In late 2008, a committee on Financial Sector credit, counsel on mergers and acquisitions, Reforms, headed by former RBI governor insurance, etc. Raghuram Rajan, had stressed on the need for a closer look at the issue of interest-free banking Overseas Banking in the country. However, the Reserve Bank of (1) The kind of banking in which bank operates India (RBI) has decided not to pursue a proposal its branches outside India. It Provides and for introduction of Islamic banking in the ensures stateside like banking services and country. specialized services required to conduct financial transactions. Para banking (2) Offerings: Online loan application system (1) Activities which are excluded from routine that reduces the need for paperwork and bank-work (deposits, withdrawals, giving credit, provides customers with instant loan decision. etc.) are para banking activities. (2) Banks can undertake certain eligible Offshore Banking financial services or activities. (1) Bank accepts currencies of countries abroad. (3) Para Banking activities which for banks are (2) Provides financial and legal benefits like limited to those permitted by RBI. privacy and minimal taxation. (4) Example: Insurance, portfolio management services, to become pension fund managers, Islamic Banking mutual funds business, money market mutual funds, underwriting of bonds of PSUs, investment in venture capital funds, etc. GA BOOSTER CAPSULE –2019

Narrow Banking (Safe Banks) (1) Narrow banks do not lend money and are therefore called ‘safe banks’. Hence, they carry ‘zero credit risk’. (2) They use the deposits done by customers to buy government bonds only. (3) Advantages: (i) No danger of NPAs (ii) RBI can easily supervise them (iii) ‘Deposit Insurance’ is not required (4) 11 banks that RBI, under PCA, is turning into Narrow Banks:- Allahabad Bank, , Corporation Bank, IDBI Bank, UCO Bank, Bank of India, and Central Bank of India, , Oriental Bank of Commerce, Dena Bank, Bank of Maharashtra.

What is Deposit Insurance? Money of customers who deposit money in the banks is insured by DICGC. And the customers who take loans from banks are guaranteed of money by DICGC. DICGC is a wholly owned subsidiary of RBI, established on 15 July 1978 under Deposit Insurance and Credit Guarantee Corporation Act, 1961 for providing insurance of deposits Institute for Development and Research defines and guaranteeing of credit facilities to the Green Banking as an umbrella term that refers customers of banks. to

Green Banking (1) Practices & guidelines that make banks (1) Promoting environmental-friendly sustainable in economic, environment and social Practices dimensions. (2) Encourages reducing carbon footprint from (2) It aims to use IT and physical infrastructure banking activities. in a efficient and effective way, with zero or minimal impact on the environment. (3) IDRBT offers guidelines for greening banking at 2 levels: (i) Making day-to-day business operations, banking products and services greener by following simple practices and making them environmentally friendly. (ii) Making IT infrastructure (including data center) and physical infrastructure (including buildings) greener.

For example taking initiatives so that a bank could itself generate electricity for its own consumption

Retail Banking (1) Retail banking refers to consumer- oriented services offered by commercial GA BOOSTER CAPSULE –2019

banks. Eg. savings accounts, mortgages and Wholesale Banking various types of loans and investment (1) Services provided to organisations such services relating to retirement and as mortgage Brokers, large corporate educational planning. clients, mid-sized companies, real estate (2) Retail assets of a bank: All borrower developers & investors, international trade relationships and relationships with small finance businesses, etc. businesses. Thus, including credit cards, auto loans, mortgages, personal loans, and Universal Banking small business loans. (1) Recommended by R H Khan (3) How do retail banks earn money: By committee. (2) It means allowing lending money to customers at a higher Financial Institutions & banks to carry out rate than they pay to depositors. The all types of banking or development difference, known as the margin or turn, is financing activity (as allowed and kept by the bank. For example, if a bank permitted by RBI, Govt. & related legal pays 1% interest on deposits, they may Acts). charge 6% interest on loans.

Type Movable Movable Immovable Gold Machines loan Stocks, Posse- With With With advance etc. ssion Lender Borrower Borrower against NSC, etc. Example Goods Assets like Housing like Vehicle, Loan

7. Digital Banking

Digital Banking National Payments Corporation of India (NPCI) Real-Time Gross Settlement systems (RTGS) National Electronic Funds Transfer (NEFT) Unstructured Supplementary Service Data (USSD) Cheque Truncation System (CTS) Bharat Interface for Money (BHIM) Indian Financial System Code (IFS Code or IFSC) Unified Payments Interface (UPI) Society for Worldwide Interbank Financial Telecommunication (SWIFT) Immediate Payment Service (IMPS) ACU

NPCI issued in April 2009. The authorized capital was (1) National Payments Corporation of India pegged at Rs 300 crore & paid up capital was Rs (NPCI) is an umbrella organization for all retail 100 crore. payments system in India. (2) It aims to allow all Indian citizens to have unrestricted access to e - payment services. (3) Headquarter: Mumbai Non-Executive Chairman: Biswamohan Mahapatra and MD and CEO: Dilip Asbe (4) RBI Nominee Director: Mr. Sudarshan Sen. (5) It was incorporated in December 2008 & the Certificate of Commencement of Business was GA BOOSTER CAPSULE –2019

The National Payments Corporation of India Famous Actor Shushant Singh Rajput will also (NPCI) has allowed Facebook-owned promote Bharat Interface for Money (BHIM) WhatsApp to beta test its BHIM UPI beta digital payments app for cashless economy by payments service with limited user base of 1 appearing in various video, print and social million and low transaction limit. Four banks media cashless economy by appearing in will join social messaging app’s BHIM UPI various video, print and social media model in phases and full feature product will campaigns of NITI Aayog. be released after beta test is successful.

USSD UPI (1) Unstructured Supplementary Service Data (1) Unified Payments Interface (Regulated by (USSD) allows users to check their balance and RBI) is an instant real-time payment system get mini statements, along with making developed by National Payments Corporation of payments, even if they don’t own a smartphone India facilitating inter-bank transactions. or have access to the internet - just by dialling (2) UPI withdraws and deposits funds directly *99# from the bank account whenever a transaction is (2) Was launched by NPCI in 2014 requested. (3) On their mobile phones, banking customers (3) It uses Virtual Payment Address, Account can avail the service by dialing *99#, a “Common Number with IFSC Code, Mobile Number with number across all Telecom Service Providers MMID, Aadhaar Number. (TSPs)”. After that an interactive menu gets MobiKwik one of the largest digital service displayed on the mobile screen to facilitate provider platform, announced the launch of transactions. Unified Payments Interface (UPI) on its (4) One can check status of his/her Aadhaar platform via its own Virtual payment address number seeding/linking in the bank account. (VPA) handle @ikwik. (5) The service works across all GSM service providers & brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service IMPS Providers). (1) Launched in 2010, immediate payment service (IMPS) is an instant real-time inter-bank electronic (mobile, online banking, ATM) funds BHIM transfer system in India. (1) Bharat Interface for Money is a mobile app (2) It uses mobile number or Aadhaar number to developed by NPCI, based on the Unified connect with a bank account,Mobile Money Payment Interface (UPI) - with zero Identifier (MMID) is a 7 digit number, issued by transaction charges. banks. It is clubbed with mobile number to (2) The aim is to make it easy for everyone to facilitate fund transfer. allow digital payments directly from the bank As per a recent NPCI data, the number of account. BHIM allow users to send or receive transactions through IMPS crossed 100 money to or from UPI payment addresses, or to million marks in March 2018 and touched a non-UPI based accounts. (using mobile number high of 120.4 million in June. or Virtual Payment Address or VPA.) (3) It was launched by PM Modi on 30th Dec 2016. It is dedicated to Dr. Bhimrao RTGS & NEFT Ambedkar. (1) Real-Time Gross Settlement systems (RTGS) (4) Works on Android, iOS & Windows. are funds transfer systems where transfer of (5) It is available in 12 languages. money or securities takes place from one bank to another on a "real-time" and on "gross" basis.

(2) National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. GA BOOSTER CAPSULE –2019

(3)There is no minimum and maximum limit for (3) The IFSC is an 11-character code with the cash remittance for NEFT. However, the first four alphabetic characters representing the maximum amount per transaction is limited to ₹ bank name, and the last six characters (usually 50,000. umeric, but can be alphabetic) representing the (4) In contrast with NEFT system, there is a branch. The fifth character is ‘zero’ and reserved minimum limit of Rs.2,00,000 to be transferred for future use. Bank IFS Code is used by the through RTGS. Though there is no maximum NEFT & RTGS systems to route the messages to limit. the destination banks/branches.

CTS SWIFT (1) Launched: 1 February 2008 (1) The Society for Worldwide Interbank (2) Cheque Truncation System (CTS) or Image- Financial Telecommunication (SWIFT) provides based Clearing System (ICS) is based on a a network that enables financial institutions cheque truncation or online image-based cheque worldwide to send and receive information clearing system where cheque images and about financial transactions in a secure, Magnetic Ink Character Recognition (MICR) data standardized and reliable environment. are captured at the collecting bank branch and (2) Headquarter: La Hulpe, Belgium; transmitted electronically.(4) Cheque (3) Chairman: Yawar Shah; CEO: Gottfried Truncation System (CTS) is a cheque clearing Leibbrandt. system undertaken by the Reserve Bank of India (RBI) for faster clearing of cheques.

ACU (1) Established: December 9, 1974 IFSC (2) Headquarters: Tehran, Iran (1) The Indian Financial System Code (IFS Code (3) The aim of ACU was to secure regional co- or IFSC) is an alphanumeric code that facilitates operation about the settlement of eligible electronic funds transfer in India. monetary transactions to provide a system for (2) A code uniquely identifies each bank branch clearing payments among the member countries participating in the two main Payment and on a multilateral basis. settlement systems in India: the Real Time Gross Settlement (RTGS) and the National Electronic Fund Transfer (NEFT) systems.

9. Monetary Policies

INDICATORS CURRENT RATE ▪ Bulk deposits has been now been revised as single deposits of Rs 2 CRR 4.00% crore and above. SLR 19.00% 1. CASH RESERVE RATIO Repo Rate 6.00% Cash Reserve Ratio (CRR) is a specified Reverse Repo Rate 5.75% minimum fraction of the total deposits of customers, which Commercial Banks must hold MSF 6.25% as reserves either in cash or as deposits with the Bank Rate 6.25% Central Bank.

2. STATUTORY LIQUIDITY RATIO ▪ RBI, in its recent Monetary Policy Statutory Liquidity Ratio (SLR) is the Indian review has decided to change the Government term for the reserve requirement threshold limit for bulk deposit. GA BOOSTER CAPSULE –2019

that the Commercial Banks in India are required to maintain in the form of cash, gold reserves, 5. BANK RATE government approved securities before Bank rate is the rate charged by the Central providing credit to the customers. Bank for lending funds to Commercial Banks.

3. REPO RATE 6. MARGINAL STANDING FACILITY Repo Rate is the rate at which the Central Bank Marginal Standing Facility (MSF) is the rate at of a Country (Reserve Bank of India in case of which scheduled banks could borrow funds India) lends money to Commercial Banks in the overnight from the Reserve Bank of India (RBI) event of any shortfall of funds. against approved government securities.

4. REVERSE REPO RATE 7. OPEN MARKET OPERATIONS Reverse Repo Rate is the rate at which the Open Market Operations (OMO) refer to buying Central Bank of a country borrows money from and selling of government securities in the open Commercial Banks within the country. It is a market to expand or contract the amount of monetary policy instrument which can be used money in the Banking System. to control the money supply in the country.

10. Important Acts

1. RBI Act 4.BANKING REGULATION Act

The Reserve Bank of India Act 1934 is an Act to The Banking Regulation Act, 1949 is a legislation constitute a Reserve Bank of India (RBI) and in India that regulates all Banking firms in India. provide the Central Bank with various powers to act as the Central Bank of India. 5.SEBI Act

2.NABARD Act The Securities and Exchange Board of India (SEBI) is the regulator for the securities market NABARD was established by Act 61, 1982 of the in India. It was established in the year 1988 and Parliament to implement the National Bank for given statutory powers on 30 January 1992 Agriculture and Rural Development Act 1981. through the SEBI Act, 1992.

3.RRB Act 6. Negotiable Instruments Act 1881

The RRB Act 1976 was adopted to provide According to Section 13 of the Negotiable sufficient banking and credit facility for Instruments Act, "A negotiable instrument agriculture. means a promissory note, bill of exchange or cheque payable either to order or to bearer.

11. Important Financial Institutions

1. RBI monetary policy of . It commenced its operations on 1 April 1935 in accordance The Reserve Bank of India (RBI) is India's with the Reserve Bank of India Act 1934. Central Banking Institution which controls the Urjit Patel is the governor of RBI. GA BOOSTER CAPSULE –2019

National Bank for Agriculture and Rural RBI has revised its priority sector lending Development (NABARD) is India's specialised guidelines for housing loan under Pradhan Bank for Agriculture and Rural Development in Mantri Awas Yojna. Housing Loan of up to Rs India. NABARD was established by Act 61, 1981 35 Lakh for dwelling costing less than 45 of Parliament on 12 July 1982 to implement the Lakh will be treated as PSL to uplift low cost National Bank for Agriculture and Rural segment to the society. Development Act 1981. HQ: Mumbai RBI has now extended Liquidity Adjustment Chairman: Dr. Harsh Kumar Bhanwala Facility (LAF) to Scheduled State Co-operative Subsidiaries of NABARD: NABCONS, NABFINS, Banks (StCBs) which are CBS enabled and ABFL. have CRAR of at least 9%. Repco Micro Finance Ltd, a non-banking finance company received NABARD 2018 Sudha Balakrishnan is the first ever Chief award. Financial Officer (CFO) of the Reserve Bank of India (RBI). 3. SEBI

RBI has signed a MoU with Insolvency and The Securities and Exchange Board of India Bankruptcy Board of India for cooperation in (SEBI) is the regulator for the securities market effective implementation of insolvency laws. in India. It was established in the year 1988 and given statutory powers on 30 January 1992 2. NABARD through the SEBI Act, 1992.

▪ SEBI tweaks norms for commodity exchanges to disclose the quantum of trading done by farmers and other commodity market participants. ▪ Market participants include millers and wholesalers. ▪ Currently, commodity derivatives exchanges disseminate turnover data for only two broad categories of participants — clients and proprietary.

▪ As per a recent report by SEBI, Indian companies raised over Rs 29,300 crore by issuing Non-Convertible Debentures (NCDs) to retail investors in 2018. ▪ NCDs are loan-linked bonds that cannot be converted into stocks and usually offer higher interest rates than the convertible.

▪ Form from 1 April 2019, transfer of shares of listed companies can be done only in the demat, as per SEBI. Shares in the demat form would help in maintaining a transparent record of shareholding at companies amid GA BOOSTER CAPSULE –2019

rising concerns over beneficial Housing Bank (NHB), a wholly owned subsidiary ownership of entities. The move does of Reserve Bank of India (RBI), was set up on 9 not prohibit an investor from holding July 1988 under the Act, the shares in physical form even after 1987. April 1.

The National Housing Bank (NHB) has

sanctioned around Rs 3,018 crore under the Initiatives by SEBI : credit-linked subsidy scheme (CLSS) of the Pradhan Mantri Awas Yojana (PMAY). (a) Capital Protection Oriented Schemes: The SEBI (Mutual Funds) Regulations, 1996 MD and CEO of NHB - Sriram Kalyanaraman. were amended so as to permit the launch of

Capital Protection Oriented schemes. 5. EXIM BANK

(b)Dispatch of Statement of Accounts: Export–Import Bank of India is the premier SEBI directed mutual funds to dispatch the export finance institution in India, established in statement of accounts to the unit holders 1982 under Export-Import Bank of India Act under Systematic Investment Plan (SIP) / 1981. Systematic Transfer Plan (STP) / Systematic

Withdrawal Plan (SWP) once every quarter ▪ Capital infusion in Exim Bank has ending March, June, September and December been approved by Union Cabinet. within ten working days of the end of the ▪ Rs 6000 crore will be infused in respective quarter. Export-Import Bank of India (Exim

Bank) to aid it in expanding its (c)Gold Exchange Traded Funds: business. SEBI amended the SEBI (Mutual Funds) ▪ The government had infused Rs 500 Regulations, 1996 to specify the methodology crore in Exim Bank in the last for the valuation of gold for the purpose of financial year. Gold Exchange Traded Funds (GETFs). ▪ David Rasquinha is the Managing

Director of EXIM Bank. (d) Real Estate Mutual Fund (REMF):

REMF Scheme means a scheme of a mutual ▪ Exim Bank gave a loan of $ 83.11 fund which has investment objective to invest million to Congo to finance three directly or indirectly in real estate property solar power projects in the central and shall be governed by the provisions and African country. The loan will be guidelines under SEBI (Mutual Funds) utilised for financing 3 solar Regulations. photovoltaic power projects with a total capacity of 35 MW in 3 (e) Standard Warning in Advertisements provinces -- Karawa, Mbandaka, and by Mutual Funds. Lusambo. Projects covered under the In order to improve the manner in which the LOCs extended to Congo include said message was conveyed to the investors, hydroelectric power projects, power it was decided in consultation with AMFI that transmission, and more. with effect from April 1, 2008, the time for display and voice over and audio advertisements of the standard warning be The Cabinet approved a joint research on the enhanced to five seconds. distributed ledger and blockchain technology by Export-Import Bank of India (Exim Bank) with member-banks of Brazil, Russia, India, 4. NATIONAL HOUSING BANK China and South Africa (BRICS).

GA BOOSTER CAPSULE –2019

6. DICGC implementation of the Centre’s Ayushman Bharat Pradhan Mantri Deposit Insurance and Credit Guarantee Jan Arogya Yojana (AB-PMJAY). The Corporation (DICGC) is a subsidiary of Reserve joint working group will be chaired Bank of India. It was established on 15 July 1978 by Dinesh Arora, Deputy CEO of NHA. under Deposit Insurance and Credit Guarantee Corporation Act, 1961. ▪ IRDAI has set up a panel to identify HQ: Mumbai; Systemically Important Insurers (SII) Chairman: N S Vishwanathan headed by Pravin Kutumbe. The panel will develop a paper on 8. SIDBI assessment methodology for SIIs in India and recommend enhanced Small Industries Development Bank of India supervision for them. (SIDBI) is a development financial institution in India. It was established on 2nd April 1990. ▪ IRDAI has set up a 13 member committee to review the regulatory Small Industries Development Bank of framework on microinsurance & India (SIDBI) and Common Service Centres recommend measures to increase the (CSC) Special Purpose Vehicle (SPV) signed demand for such products. The MoU for providing financial Support village Committee will be haeded by IRDAI level entrepreneurs in CSCs. Executive Director Suresh Mathur.

The Small Industries Development Bank of ▪ India (SIDBI) celebrates its foundation day on ▪ According to a recent report by 2nd April every year. IRDAI, Non-life insurance firms have registered a rise of 13% in their 9. IFC collective premium income to Rs 1.70 lakh crore in March 2019. Earlier the The International Finance Corporation (IFC) is 34 non-life insurers had a gross an International Financial Institution that offers premium of Rs 1.51 lakh crore in investment, advisory, and asset-management 2017-18. services to encourage private-sector development in developing countries. It was established in 20 July 1956. Initiatives by IRDAI :

10. IRDAI (a) Insurers to cover mental illness under medical insurance policy: The Insurance Regulatory and Development According to provisions of the Act, mental Authority of India (IRDAI) is an autonomous, health care includes analysis and diagnosis of statutory body tasked with regulating and person’s mental condition and treatment as promoting the insurance and reinsurance well as care and rehabilitation of such person industries in India. for his mental illness or suspected mental ▪ IRDAI has imposed a fine of Rs 9 lakh illness. on state-owned United India Insurance Co (UIIC) Ltd for violating (b)IRDAI’s admission as a Signatory to certain procedures. IAIS, MMoU: ▪ UIIC is headquartered in Chennai, The Union Cabinet has approved IRDAI’s while IRDAI is in Hyderabad. admission as a signatory to International Association of Insurance Supervisors (IAIS), ▪ IRDAI and National Health Authority Multilateral Memorandum of Understanding form a joint working group to (MMoU). recommend measures to improve the GA BOOSTER CAPSULE –2019

(c) No Vehicle Insurance without Pollution intelligence (AI) technologies to address Certificate: challenges in agriculture and healthcare and IRDAI has made it mandatory for every promote adoption of local language vehicle owner to have a valid PUC certificate computing among others. to comply with the prescribed emission norms. A vehicle without such certificate is (b)South Asian Regional Conference on liable to be prosecuted under the Motor Urban Infrastructure: Vehicles Act. It was organised by NITI Aayog in New Delhi in partnership with United Nations Economic and Social Commission for Asia and Pacific 11. NITI AAYOG (UNESCAP) and Asian Development Bank.

The National Institution for Transformation of (c)Himalayan State Regional Council: India also known as the NITI Aayog has been NITI Aayog has constituted Himalayan State created to serve as a think tank for the Regional Council to ensure sustainable Government of India. NITI Aayog acts as the development of the Himalayan Region. major platform of the Government of India to bring States to act together in national interest, (d) Transforming India Lecture Series: and thereby fosters Cooperative Federalism. As the government’s premier think-tank, NITI Aayog views knowledge building & transfer Initiatives by NITI : as the enabler of real transformation in States. (a) Agreement with Microsoft for AI: NITI Aayog has inked an agreement with Microsoft India to deploy artificial

12. NBFCs

A non-banking institution is a company having ▪ The NBFCs Capital to Risk-weighted principal business of receiving deposits under Assets Ratio (CRAR) decreased to any scheme or arrangement in one lump sum or 21% in September 2018 from 22.8% in instalments by way of contributions or in any in March 2018. other manner, is known as non-banking ▪ While, Loans and advances in the financial company. NBFC sector increased by 16.3% and investments increased by 14.1%. According to RBI, A Non-Banking Financial Company (NBFC) is a company registered under ▪ NBFCs and MFIs raised about Rs. the Companies Act, 1956 engaged in the 26,200 crore through securitisation business of loans and advances, acquisition of in FY19, a growth of 170% over securities, etc. issued by Government or local FY18. authority or other marketable securities of a like nature, leasing, hire-purchase, insurance ▪ Eligible NBFCs offering foreign business, chit business. exchange transactions to individual accounts can obtain Authorised ▪ As per a recent RBI repost, the Dealer (AD) Category-II licence. balance sheet size ofNBFCs grew by ▪ AD-Cat II licence holders will be 17.2% to Rs 26 trillion in September authorised by the RBI to deal in 2018 from Rs 22.2 trillion in foreign exchange for specified September 2017. GA BOOSTER CAPSULE –2019

purposes. These include upgraded full-fledged money changers (FFMCs)

▪

NBFCs are categorized :

(a) In terms of the type of liabilities into Deposit and Non-Deposit accepting NBFCs,

(b) Non deposit taking NBFCs by their size into systemically important and other non- deposit holding companies (NBFC-NDSI and NBFC-ND),

(c) By the kind of activity they conduct. ▪ Reserve Bank of India has created single category NBFC by merging their present three-tier structure. ▪ Asset finance, loan, and investment companies have been merged into a new category called NBFC- Investment and Credit Companies. This will provide greater operational flexibility to NBFCs.

Types of NBFCs: 3. Loan Company (LC)

1. Asset Finance Company (AFC) ➢ LC means any company which is a financial institution carrying on as its principal ➢ An AFC’s principal business is financing of business the providing of finance whether physical assets supporting by making loans or advances or otherwise productive/economic activity, such as for any activity other than its own but does automobiles, tractors, lathe machines, not include an Asset Finance Company. generator sets, earth moving and material handling equipment, moving on own power 4. Infrastructure Finance Company (IFC) and general purpose industrial machines. ➢ IFC is a non-banking finance company a) 2. Investment Company (IC) which deploys at least 75% of its total assets in infrastructure loans, b) has a minimum Net Owned Funds of ₹ 300 crore, c) has a ➢ IC means any company which is a financial minimum credit rating of ‘A ‘or equivalent institution carrying on as its principal d) and a CRAR of 15%. business the acquisition of securities. 5. Infrastructure Debt Fund ➢ IDF-NBFC is a company registered as NBFC to facilitate the flow of long term debt into infrastructure projects. IDF-NBFC raise resources through issue of Rupee or Dollar denominated bonds of minimum 5 year maturity. Only Infrastructure Finance Companies (IFC) can sponsor IDF-NBFCs. GA BOOSTER CAPSULE –2019

➢ NBFC - NOFHC is financial institution 6. Mortgage Guarantee Companies (MGC) through which promoter / promoter groups ➢ MGC are financial institutions for which at will be permitted to set up a new bank. A least 90% of the business turnover is wholly-owned NOFHC will hold the bank as mortgage guarantee business or at least well as all other financial services 90% of the gross income is from mortgage companies regulated by RBI or other guarantee business and net owned fund is ₹ financial sector regulators, to the extent 100 crore. permissible under the applicable regulatory prescriptions. 7. Non-Operative Financial Holding Company (NOFHC)

13. Electoral Bonds

Announced: Scheme Union Budget 2017 Electoral bonds will be valid for only 15 days and will not carry the name of the payee. Aim: (1) Alternative to cash donations. So that transparency in political funding can increase. Bonds can be bought from SBI branches at (2) Elimination of unaccounted and anonymous Mumbai, Chennai, Kolkata and New Delhi. donations to political parties. (3) In a way fights black money. Electoral bonds can be bought for any amount in multiples of Rs. 1000, Rs.10,000, Rs.1 Lakh, Points to Remember: Rs.10 lakh and Rs. 1 crore.

India is the 1st country in the world to have a Purchaser must pay from KYC - compliant bank unique bond for electoral funding. account.

Electoral bonds are made available for 10 days Bonds can be donated to a registered political in January, April, July and October. party only.

Any Indian citizen or a body incorporated in India can buy these bonds.

14. Electronic Fund Transfer at Point of Sale

Electronic Funds Transfer At Point Of Sale Electronic Funds Transfer (EFT) - It is also (EFTPOS) is a payment system that allows faster known as e-transfer and indicates the transfer of and safer digital fund transfers at payment money between accounts by consumer terminals using debit or credit cards. electronic systems such as automated teller machines (ATMs), and electronic payment of EFTPOS was first introduced in the US in bills. 1981 and rolled out in 1982, after that several other countries followed the suit. Point of Sale (POS) - is the location where a sales transaction occurs 15. Priority Sector Lending GA BOOSTER CAPSULE –2019

Priority sector was first properly defined in (7) Renewable Energy 1972 by Dr. K S Krishnaswamy committee. (8) weaker sections. Priority Sector Lending is an important role given by the Reserve Bank of India (RBI) to the Private sector lending is essentially meant for an banks for providing a specified portion of the all-round development of the economy and not bank lending to few specific sectors. just focus on the financial sector.

Private sector lending is also linked to the Double Financial Repression. In India, private sector lending has been made a salient feature of banking mainly due to the social and economic objectives that underlie PSL. However, banks are also required to keep certain amount to maintain Statutory Liquidity Ratio (SLR) and from the remaining disposable amount, 40 per

cent is dedicated for the priority sector. Thus, As per the RBI circular of July 7, 2016, there are large fraction of banks’ resources causes the so 8 broad categories of the PSL viz. called “Double Repression” on the banking (1) Agriculture system. The economic survey has brought this (2) Micro, Small and Medium Enterprises issue to the forefront and has recommended (3) Export Credit thegovernment to restructureSLR and (4) Education PrioritySector Lending. (5) Housing (6) Social Infrastructure

16. KYC

KYC or ‘Know Your Customer’ is nothing but the updated 'Know Your Customer (KYC)' process of banks asking for your identity proof. guidelines. RBI has also imposed a penalty of This prevents fraud and misuse of banking Rs 5 cr on south Indian bank for non- facility.It is similar to a security check. compliance with its directions on Income Recognition and Asset Classification (IRAC) The Reserve Bank of India (RBI) has made norms, Know Your Customer (KYC) norms linking of national biometric ID Aadhaar to and treasury function. bank accounts mandatory as part of its

17. NPA and Recovery

What is an NPA? banks should set aside certain amount of money (provisioning) for the NPAs. NPAs are classified Non-performing assets are bad loans. Once a as sub – standard, doubtful and loss-making borrower fails in payment of interest or assets for provisioning requirements instalment of the principal or both for 90 days at least, the loan is considered an NPA. NPA for a period less Substandard asset than or equal to 12 Rise in NPAs has taken a toll on stock prices of months. most of these banks. So, RBI rules require that GA BOOSTER CAPSULE –2019

NPA for a period of March 2018.Also the Net Non-Performing Doubtful asset more than 12 Assets (NNPAs) ratio witnessed a fall at 5.3% in months. September 2018 as against 6.2% in March 2018. NPA for a period of Loss asset more than 36 months Prompt Corrective Action (PCA) Classification of NPAs for Agriculture loans: (1) To ensure that banks don't go bust, RBI has A loan will be treated as an NPA if instalment put in place some trigger points to assess, of the principal or interest remains unpaid monitor, control and take corrective actions on beyond the due date for banks which are weak and troubled. The process (i) two crop seasons in case of short duration or mechanism under which such actions are crops (maturing within one year); taken is known as Prompt Corrective Action, or (ii) one crop season for long duration crops PCA. (maturing after one year). (2) Regulators use 4 different capital measures i.e. a total risk and a Tier - 1 based capital ratio, To recover the NPAs, many measures have been leverage and Equity to assets ratio. taken, like: Provisioning, CAR norms, Securitization law, Foreclosure, Norms, One- Asset Reconstruction Company time settlement, Interest Waiver, Write-offs, (1) In order to recover the bad debts (sticky Debt recovery tribunals, Asset reconstruction loans), the Asset Reconstruction Company, who companies have built – in professional expertise, handles recovery as their core business. With a view to bringing convergence of the (2) ARCs buy bad loans from banks and try to Priority Sector Lending guidelines for housing restructure them and collect them. ARC is loans with the Affordable Housing Scheme, formed under SARFAESI Act, 2002. and to give a relaxation to low-cost housing (3) Under this Bank / FIs have the power to sell for the Economically Weaker Sections the their bad loans. The loans which are of 1 lakh or housing loan limits for eligibility under more fall in this category priority sector lending will be revised to Rs 35 lakh in metropolitan centres from Rs 28 Debt Recovery Tribunal and to Rs 25 lakh from Rs 20 lakh earlier in (1) The Government of India has constituted 38 other centres, provided the dwelling cost Credit Recovery Tribunals (DRT) and does not exist Rs 45 lakh. constituted the 5 Debt Restore Appeal Tribunal (DRAT) across the country. SARFAESI ACT 2002 (2) The Debt Recovery Tribunal is located (1) The Securitisation and Reconstruction of throughout the country under ‘Recovery of Financial Assets and Enforcement of Securities Debts due to Banks and Financial Institutions Interest Act, 2002 (also known as the SARFAESI (RDDBF) Act, 1993’. Act) is an Indian law. It allows banks and other (3) As per the act, the issue is to be settled in 6 financial institution to auction residential or months and in this case the success rate is commercial properties to recover loans. around 20 – 30%. (2) It is used to expedite recovery of loans and bring down the non – performing asset level of the Indian banking and financial sector. Strategic Debt Restructuring (3) It will thus become easier to recover bad (1) Strategic Debt Restructuring (SDR) Scheme loans from wilful defaulters. allows banks and non-banking lending institutions to convert their loans into equity According to 'Financial Stability Report' released stake. RBI on 31 December 2018, banks Gross Non- (2) Under the SDR scheme, banks are exempted Performing Assets' (GNPAs) ratio have improved from making an open offer while acquiring to 10.8% in September 2018 from 11.5% in majority stake in a stressed company. GA BOOSTER CAPSULE –2019

where cases pending or at pre-litigation stage in Lok Adalats a court of law are settled. (1) Lok Adalat ("Public Court" or "People's (2) Created under Legal Services Authority Act Court") is one of the Alternative dispute 1987. resolution mechanisms in India, it is a forum (3) According to RBI guidelines issued in 2001, they cover NPA up to Rs. 20 lakhs, both suits filed, and non-suit filed are covered.

18. Financial Inclusion

Financial inclusion basically means making Aim: Bridging the gap left by absence of credit, banking and financial services & products commercial banks in rural areas. accessible to: Implementation: A public or private bank was (1) Weaker section and low-income group allotted an area (district) in which that bank had (2) People residing in remote or rural areas and to play a lead role in providing financial services villages. to the people, making them aware about the banks and various benefits of banks and Types of Financial Inclusion: generating trust among people so they deposit their money without any fear of loss or fraud. Financial inclusion aims to take care people who fall in 2 types of groups: No Frills Account

1. Low Income section in Urban Areas Started: 2005 by RBI 2. Low Income section in Rural Areas Recommendation by: Rangarajan Committee Aim: Simplified KYC norms and either nil or very low minimum balance to help low income groups maintain bank accounts. Implementation: However, all the existing ‘No- frills’ accounts opened were converted into BSBDA (Basic Savings Bank Deposit Accounts).

BSBDA Account

Started: 2012 by RBI Aim: To extend benefits of no-frills account to common man. Implementation: Applicable to all scheduled commercial banks in India including Foreign Banks having branches in India.

Fig: Financial Inclusion Initiatives Pradhan Mantri Jan Dhan Yojana

Prime Minister's People's' Wealth Scheme is a LBS (Lead Banking Scheme) government scheme that aims to expand and make affordable access to financial services such Started: 1969 by RBI as bank accounts, remittances, credit, insurance Recommended by: Gadgil Study Group & and pensions. Nariman Committee. GA BOOSTER CAPSULE –2019

Business Correspondenceis exchange of Chandrapada, a tier-V town near Mumbai under information in a written format for the process the brand name “Indicash” in 2013. of business activities that can take place Government has allowed 100% FDI in White between organizations, within organizations or Labelled ATM operations since 2015. between the customers and the organization. Business Correspondence includes individuals, Self-Help Group NGOs,SHGs, NBFCs, Payment Banks and so on. SHGs have their origin from the Gramin Bank of White Label ATMs Bangladesh which was founded in 1975 by the economist Prof. Mohammad Yunus of Chittagong Automated Teller Machines (ATMs) setup, University. owned and operated by non-bank entities are It is a village-based financial intermediary called ‘White Label ATMs’ (WLAs). committee comprising of 10–20 local women or Tata Communications Payment Solutions men. (TCPS), started 1st white label ATM (WLA) at

19. Banking Ombudsman Scheme

The Banking Ombudsman Scheme is an Presently the Banking Ombudsman Scheme expeditious and inexpensive forum for bank 2006 (as amended up to July 1, 2017) is in customers for resolution of complaints relating operation. to certain services rendered by Banks. The Banking Ombudsman is a senior official Banking Ombudsman Scheme is introduced appointed by RBI. He handles and redresses under Section 35 A of the Banking Regulation customer complaints against deficiency in Act, 1949 by RBI with effect from 1995. certain banking services.

20. Abbreviations

• AAY: Antyodaya Anna Yojana • EBRD: European Bank for Reconstruction & • CAA&A: Controller of Aid Accounts & Audit Development • BBB: • EFTA: European Free Trade Association • CFPI: Consumer Food Price Index • EIB: European Investment Bank • CIRP:Corporate Insolvency Resolution • e-NAM: Electronic National Agriculture Process Market • CLSS: Credit Linked Subsidy Scheme • EPCG: Export Promotion on Capital Goods • DARE: Department of Agricultural Research • FSLRC: Financial Sector Legislative Reforms & Education Commission • DDA: Doha Development Agenda • FSRASC: Financial Sector Regulatory • DGCI&S: Directorate General of Commercial Appointment Search Committee Intelligence & Statistics • GCC: Gulf Cooperation Council • DGFT: Directorate General of Foreign Trade • ICRA: Indian Credit Rating Agency. • DIPAM: Department of Investment & Public • IBC: Insolvency & Bankruptcy Code Asset Management • IFSC:Indian Financial System Code • DIPP: Department of Industrial Policy & • IMPS: Immediate Payment Service Promotion • LFPR: Labour Force Participation Rate • DISCOMS: Distribution Companies • M0: Reserve Money GA BOOSTER CAPSULE –2019

• M3: Broad money • POL: Petroleum Oil & Lubricants • MDGs: Millennium Development Goals • RMSA: Rashtriya Madhyamik Shiksha • NAREDCO: National Real Estate Abhiyan Development Council • RTGS: Real Time Gross Settlement • NCDs: Non-Convertible Debentures • SSA: Sarva Shiksha Abhiyaan • NCLT: National Company Law Tribunal • SUUTI: Specified Undertaking for Unit Trust • NEFT: National Electronic Fund Transfer of India • NICRA: National Innovations on Climate • SWIFT: Society for Worldwide Interbank Resilient Agriculture Financial Telecommunication. • NPCI:National Payments Corporation of • SWP: Systematic Withdrawal Plan India • UDAY: Ujwal Discom Assurance Yojana • MAY: Pradhan Mantri Awas Yojana • UDISE: Unified District Information System • ‘PMFBY: Pradhan Mantri Fasal Bima Yojana for Education. • PMKSY: Pradhan Mantri Krishi Sinchayee Yojana

21. Capital Market

Capital market is a platform where investors 6. IDR - International Depository Receipt is a and buyers get into trade of financial negotiable certificate that a bank issue. It is also securities such as bonds, stocks, etc. known as ADR in U.S.A. In Europe, IDRs are known as Global Depository Receipts, and trade 1. IPO - Stands for Initial Public Offering. It is a on the London, Luxembourg and Frankfurt term used when a private company or exchanges. corporation raises investment capital by offering its stock to the public for the first time.

2. FPO - Stands for Follow on Public Offer. It is a process by which an already listed company on an exchange issues new shares to the investors or the existing shareholders, usually the promoters.

3. Right Issue - It is an invitation to existing shareholders to purchase additional new shares in the company.

4. ADR - Stands for American Depository Receipt. It is a negotiable certificate issued by a U.S. bank that represents a specified number of shares (or one share) in a foreign stock traded on a U.S. exchange.

5. GDR - Stands for Global Depository Receipt (GDR). It is a bank certificate issued in more than one country for shares in a foreign company. The shares are held by a foreign branch of an international bank.

GA BOOSTER CAPSULE –2019

7. NSDL - Stands for National Securities 15. Commodity Market - It is a physical or Depository Ltd. It is India’s oldest and largest virtual marketplace for buying, selling and depository and refers to the organization meant trading raw or primary products. There are for holding and safeguarding the securities that about 50 major commodity markets worldwide are traded in the securities market. that facilitate investment trade in approximately 100 primary commodities. 8. CDSL - Central Depository Services Limited is a depository service that works for the Bombay 16. MCX - The of Stock Exchange (BSE). CDSL is promoted by the India Ltd. was established in 2003 and is an State Bank of India (SBI), Bank of India, Bank of independent commodity exchange. It is India's Baroda, HDFC Bank, Bank, largest commodity derivatives exchange where Axis Bank and of India. the clearance and settlements of the exchange happen. 9. Debenture - It is a type of debt instrument that is not secured by physical assets or 17. NCDEX - National Commodity & Derivatives collateral. Corporations and governments Exchange Limited is an online commodity frequently issue this type of bond to secure exchange based in India. capital.These are usually documented in an indenture. 18. Derivatives - It is a contract between two or more parties based upon the asset or assets. Its 10. BSE - The Bombay Stock Exchange was price is determined by fluctuations in the established by Premchand Roychand in 1875. It underlying asset. is Asia’s first stock exchange and claims to be the world's fastest stock exchange, with a Forward It is a private agreement between median trade speed of 6 microseconds. Contract two parties giving the buyer an obligation to purchase an asset 11. Sensex - It is the benchmark index of the (and the seller an obligation to sell Bombay Stock Exchange (BSE) and is also an asset) at a set price at a future known as S&P. It is composed of 30 of the point in time. largest and most actively-traded stocks on the Future It is a contract for assets BSE, providing an accurate gauge of India's Contract (especially commodities or economy. shares) bought at agreed prices but delivered and paid for later. 12. NSE - The National Stock Exchange of India Option It is a contract, or a provision of a was established in 1992. It is India’s first contract, that gives one party (the demutualized electronic exchange. option holder) the right, but not the obligation to perform a 13. Nifty - Like Sensex, Nifty is a major stock specified transaction with another index introduced by the NSE in India. The term party (the option issuer or option was coined from two words ‘National’ and writer) according to specified ‘FIFTY’. terms.

14. OTCEI - The Over-The-Counter Exchange Of - Call Option: This option India (OTCEI), founded in 1990 is an electronic provides the holder the right (but stock exchange that consists of small- and not the obligation) to purchase an medium-sized firms aiming to gain access to the underlying asset at a specified capital markets like electronic exchanges in the price (the strike price), for a U.S. such as the Nasdaq. The OTCEI is no longer certain period. a functional exchange as the same has been - Put Option: This option gives derecognised by SEBI vide its order dated 31 the holder the right to sell an Mar 2015. underlying asset at a specified price (the strike price). GA BOOSTER CAPSULE –2019

SWAP It is a derivative contract where Net asset value (NAV) represents a funds per two parties exchange financial share market value. NAV is the sum of the instruments. market value of all the shares held in the portfolio divided by the total number of units 17. Mutual Fund- It is an investment vehicle outstanding. made up of a pool of money collected from many investors for investing in securities such as Close Ended Open Ended stocks, bonds, money market instruments and Scheme Scheme other assets. Mutual Funds are regulated in India by SEBI. A scheme where It is available for funds are raised subscription and The most popular types of mutual funds in India for a fixed period and repurchase on a are - is wound up after a continuous basis and • Equity funds certain period. do not have a fixed • Debt funds maturity period. • Money market funds • Index funds

22. Money Market

It is the trade in short-term loans between Banking system to mobilize bulk deposits from banks and other financial institutions. the market. Usually, financial instruments with high Minimum amount: 1 lakh; Period: 7 days - 1 year liquidity and short-term maturities are traded. 5. Commercial Papers - Commercial Paper, introduced in 1990, is issued (sold) by Few instruments of Money Market are: large corporations to obtain funds to meet short-term debt obligations and is backed only 1. Call Money - Is the money loaned by a bank or by an issuing bank or company promise to pay other institution which is repayable on demand the face amount on the maturity date specified for 1 day. Call money does not have a fixed on the note. schedule, nor does the lender need to provide Minimum amount: 5 lakhs or its multiples; any notice of repayment. Period: 7 days - 1 year Period - 1 day 6. Treasury Bills - These are short term 2. Notice Money - The money that is lent for one borrowing instruments of the Government day in money market is known as call money of India. Treasury Bills enable investors to park and if it exceeds one day, it is known as notice their short term surplus funds while reducing money. Period - 2-14 days their market risk. They are auctioned by Reserve Bank of India at regular intervals and issued at a 3. Term Money - While Call money and notice discount to face value. money refers to short-term funds (less than 14 Minimum amount: Rs. 25000 or its multiples; days). Period - 15 days - 1 year Period: 91 days, 182 days & 364 days.

4. Certificate of Deposits - It is equivalent to 7. Ways and Means of Advances - is a method promissory note and is negotiable. Certificate of used by Reserve Bank of India (RBI) under its Deposits (CD) is issued in lieu of the funds credit policy by which it helps States banking deposited at a bank for a specified time. It was with it to tide over temporary mismatches in the introduced in July 1989, to enable the cash flow of their receipts and payments.

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8. Cash Management Bills - are short term bills immediate cash needs. The bills are issued by issued by central government to meet its the RBI on behalf of the government. 23. Basel Norms

- The Basel accord are a set of agreements set 5. 100% Risk by Basel Committee on Banking Supervision (BCBS) which provides recommendation on Basel Norms II banking regulation with respect to capital risk, market risk and operational risk. The 3 main pillars of the Basel Norms II are: - Minimum Capital requirement - The BCBS's secretariat is located at Bank of - Supervisory Review International Settlements in Basel, - Market discipline Switzerland. - The purpose of this accord is to ensure that India adopted Basel-II in 2009. financial institutions have enough capital to meet obligations and absorb unexpected Basel Norms III stress. - RBI extended the timeline for fully implementation of Basel-III capital regulation by Capital Adequacy Ratio: a year to March 31st, 2019.

- Indian government estimated the total Risk Weighted Assets till 2019 will be 120 lakh crore Rupees and where CAR is minimum 9%. Basel Norms I

It divides the asset account to risk in 5 categories:-

1. 0% Risk 2. 10% Risk 3. 20% Risk 4. 50% Risk

24. Maharatna, Navratna & Miniratna Category of PSEs

1. Maharatna CPSEs Bharat Electronics Container Bharat Heavy Coal India Limited Limited Corporation of India Electricals Limited Limited GAIL (India) Limited Indian Oil Engineers India Hindustan Corporation Limited Limited Aeronautics Limited NTPC Limited Oil & Natural Gas Hindustan Petroleum Mahanagar Corporation Limited Corporation Limited Telephone Nigam Steel Authority of Bharat Petroleum Limited India Limited Corporation Limited National Aluminium National Buildings Company Limited Construction Corporation Limited 2. Navratna CPSEs GA BOOSTER CAPSULE –2019

NMDC Limited Neyveli Lignite Mishra Dhatu Nigam MMTC Limited Corporation Limited Limited Oil India Limited Power Finance MSTC Limited National Fertilizers Corporation Limited Limited Power Grid Rashtriya Ispat National Seeds NHPC Limited Corporation of India Nigam Limited Corporation Limited Limited Northern Coalfields North Eastern Rural Electrification Shipping Corporation Limited Electric Power Corporation Limited of India Limited Corporation Limited Numaligarh Refinery ONGC Videsh 3. Miniratna Category - I CPSEs Limited Limited Pawan Hans Projects & Airports Authority of Antrix Corporation Helicopters Limited Development India India Limited Limited Balmer Lawrie & Co. Bharat Coking Coal Railtel Corporation of Rail Vikas Nigam Limited Limited India Limited Limited Bharat Dynamics BEML Limited Rashtriya Chemicals & RITES Limited Limited Fertilizers Limited Bharat Sanchar Nigam Bridge & Roof SJVN Limited Security Printing Limited Company (India) and Minting Limited Corporation of India Central Warehousing Central Coalfields Limited Corporation Limited South Eastern State Trading Chennai Petroleum Cochin Shipyard Coalfields Limited Corporation of India Corporation Limited Limited Limited Dredging Corporation Kamarajar Port Telecommunications THDC India Limited of India Limited Limited Consultants India Garden Reach Goa Shipyard Limited Shipbuilders & Limited Western Coalfields WAPCOS Limited Engineers Limited Limited Hindustan Copper HLL Lifecare Ed.CIL (India) Limited HSCC (India) Limited Limited Limited Hindustan Newsprint Hindustan Paper National Small Indian Railway Limited Corporation Limited Industries Corporation Finance Corporation Housing & Urban India Tourism Limited Limited Development Development Corporation Limited Corporation Limited 4. Miniratna Category-II CPSEs Indian Rare Earths Indian Railway Limited Catering & Tourism Bharat Pumps & Broadcast Corporation Limited Compressors Limited Engineering Indian Renewable India Trade Consultants (I) Energy Development Promotion Limited Agency Limited Organisation Central Mine Central Railside IRCON International KIOCL Limited Planning & Design Warehouse Company Limited Institute Limited Limited Mazagaon Dock Mahanadi Coalfields Engineering Projects FCI Aravali Gypsum Limited Limited (India) Limited & Minerals India Manganese Ore (India) Mangalore Refinery Limited Limited & Petrochemical Ferro Scrap Nigam HMT (International) Limited Limited Limited GA BOOSTER CAPSULE –2019

Indian Medicines & Artificial Limbs P E C Limited Rajasthan Electronics Pharmaceuticals Manufacturing & Instruments Corporation Limited Corporation of India Limited Mineral Exploration National Film M E C O N Limited Corporation Limited Development Corporation Limited

25. List of International Airports in India

Airports State/ Union Kempegowda City Name Territory International Bengaluru Karnataka Airport

Veer Savarkar Andaman and International Port Blair Nicobar Mangalore Manga- Airport Islands International Karnataka lore Airport

Visakhapat- Visakha- Andhra nam Airport patnam Pradesh Cochin International Kochi Kerala Airport Lokpriya Gopinath Bordoloi Guwahati Assam Calicut International International Calicut Kerala Airport Airport

Gaya Airport Gaya Bihar Trivandrum Thiruvan- International anthap- Kerala Airport uram Indira Gandhi International New Delhi Delhi Airport Chhatrapati Shivaji Mumbai Maharashtra International Goa Whole Airport International Goa state Airport Dr. Babasaheb Ambedkar Sardar Nagpur Maharashtra International Vallabhbhai Ahmed- Airport Patel Gujarat abad International Airport Pune Interna- Pune Maharashtra tional Airport

Tulihal Airport Imphal Manipur GA BOOSTER CAPSULE –2019

Biju Patnaik Coimbatore Bhuban- International Odisha International Coimbator eswar Tamil Nadu Airport Airport/Civil e Aerodrome Sri Guru Ram Dass Jee Guru Ram Dass Amritsar Punjab International ji International Amritsar Punjab Airport Airport

Jaipur Chandigarh Chandi- International Jaipur Rajasthan International Punjab garh Airport Airport

Rajiv Gandhi Chaudhary Hydera- International Telangana Charan Singh Lucknow Uttar Pradesh bad Airport Airport

Tiruchirappalli Lal Bahadur Tiruchira- Varanasi Uttar Pradesh International Tamil Nadu Shastri Airport palli Airport Netaji Subhash Chennai Chandra Bose Kolkata West Bengal International Chennai Tamil Nadu International Airport Airport

26. List of Revolutions in India

Revolution Product Golden Revolution Overall Horticulture, Honey, Fruit Production Black Revolution Petroleum Product

Green Revolution Agriculture Blue Revolution Fish Production Production

Brown Revolution Leather, Cocoa Grey Revolution Fertilizers

Golden Fibre Jute Production Pink Revolution Onions, Prawn Revolution GA BOOSTER CAPSULE –2019

Red Revolution Meat, Tomato Silver Fibre Cotton Production Production Revolution

Evergreen overall agriculture Silver Revolution Egg Production Revolution production growth White Revolution Dairy, Milk Production Round Revolution Potato Production Yellow Revolution Oil Seed Production

Round Revolution Potato

27. Indian & International Bank Taglines

Indian Banks and their Taglines Allahabad Kolkata A Tradition of Bank Trust Banks HQ Tagline Bandhan Kolkata Aapka Bhala Bank Sabki Bhalai State Bank Mumbai The Banker to United Bank Kolkata The Bank that India Every Indian of India Begins with “U” Axis Bank Mumbai Badhti ka Naam UCO Bank Kolkata Honors your Zindagi Trust Bank of India Mumbai Relationship Union Bank Mumbai Good People to Beyond Banking of India Bank with Central Bank Mumbai Central to You Punjab New The Name You of India Since 1911 National Delhi Can Bank Upon Dena Bank Mumbai Trusted Family bank Bank Punjab and New Where Service is HDFC Bank Mumbai We Understand Sind Bank Delhi a Way of Life your World Canara Bank Bengalur Together We Can IDBI Bank Mumbai Banking for all/ u Aao Sochein Bada Vijaya Bank Bengalur A Friend You Can ICICI Bank Mumbai Hum hai na, u Bank Upon Khayal Apka Syndicate Manipal Faithful and IDFC First Mumbai Always You First Bank Friendly Bank Corporation Mangalor Prosperity for all IndusInd Mumbai We Make you Bank e Bank Feel Richer/We Karnataka Mangalor Your Family Care; Dil Se Bank e Bank, Across Kotak Mumbai Let's Make India Mahindra Money Simple Indian Bank Chennai Your Own Bank Bank Indian Chennai Good People to Yes Bank Mumbai Experience Our Overseas Grow With Expertise Bank Bank of Pune Ek Parivar ek Lakshmi Chennai The Changing Maharashtra Bank/One Family Vilas Bank Face of One Bank Prosperity GA BOOSTER CAPSULE –2019

South Indian Kerala Experience Next International Banks and their Taglines Bank Generation Banking Bank Tagline Hyder- Where India abad Banks American Do More Bank of Vado- India’s Express Bank Baroda dara International BNP Paribas The Bank for a Changing Bank World Citi Union Tamil Trust and Bank Fluent in Finance bank Nadu Excellence since Citi Bank Let’s Get it Done / The 1904 Citi Never Sleeps Karur Vysya Tamil Smart Way to DBS Bank Living, Breathing Asia Bank Nadu Bank A Passion to Perform Oriental Guru- Where Every HSBC Bank World’s Local Bank Bank of gram, Individual is JPMorgan Chase The Right Relationship is Commerce Haryana Committed Bank Everything Federal bank Kochi Your Perfect Royal Bank of Make It Happen Banking Partner Scotland Scotia Bank You’re Richer Than You Think Standard Your Right Partner Chartered Bank

28. Union Cabinet Ministers & their Constituency

Department Ministers Pensions, Ministry of Atomic Narendra Modi Energy, Ministry of Space All Important Policy Issues, All Ministry of Personnel, Public Grievances and GA BOOSTER CAPSULE –2019

Other Portfolios not Minister of Tribal Affairs Arjun Munda allocated to any Minister Minister of Women and Smriti Irani Ministry of Minister of Rajnath Singh Child Development; Defence Minister of Textiles

Minister of Home Affairs Amit Shah Minister of Health and Dr. Family Welfare;’ Harshvardhan Minister of Road Transport Nitin Jairam Minister of Science and and Highways; Gadkari Technology; and and Minister of Micro, Small Minister of Earth Sciences and Medium Enterprises Minister of Environment, Prakash Minister of Chemical and DV Sadanand Forest and Climate Change; Javadekar Fertilizers Gowda and Minister of Information and Minister of Finance; and Nirmala Broadcasting Minister of Corporate Sitharaman Affairs Minister of Railways; and Piyush Goyal Minister of Commerce and Minister of Consumer Ram Vilas Industry Affairs, Paswan Food and Public Minister of Petroleum and Dharmendra Distribution Natural Gas; and Pradhan Minister of Steel Minister of Agriculture and Narendra Farmers Welfare; Singh Tomar Minister of Minority Affairs Mukhtar Minister of Rural Abbas Naqvi Development; and Minister of Panchayati Raj Minister of Parliamentary Prahalad Joshi Affairs; Minister of Law and Justice; Ravi Shankar Minister of Coal; and Minister of Prasad Minister of Mines Communications; and Minister of Electronics and Minister of Skill Dr. Mahendra Information Technology Development and Nath Pandey Entrepreneurship Minister of Food Processing Harsimrat Industries Kaur Badal Minister of Heavy Industries Arvind Sawant and Public Enterprise Minister of Social Justice Thawar Chand and Empowerment Gehlot Minister of Animal Giriraj Singh Husbandry, Dairying and Minister of External Affairs Dr. S Fisheries Jaishankar Minister of Jal Shakti Gajendra Singh Minister of Human Resource Ramesh Shekhawat Development Pokhriyal Nishank 29. Census 2011 GA BOOSTER CAPSULE –2019

The Indian Census 2011 was referred to as • Highest Rural Population in India - Uttar the seventh census operation after Indian Pradesh – 13,16,58,339 Independence. The national census 2011 has • Lowest Rural Population in India (state & been run on all the 28 states of the country UT)- Lakshadweep – 33,683 and the seven Union Territories. The data of • The next Census will be out by 2021. Indian census 2011 covers all the major aspects of society like population, sex ratio Sex Ratio (Females per 1000 Males)- 943: and literacy percentage as well. 1000 Sex Ratio State

• First census was conducted in 1872. Sex Ratio (Females per Kerala (1084) • Census 2011 were released in New Delhi on 1000 Males) 31st March 2011 by Union Home Secretary Lowest sex ratio Haryana (879) GK Pillai and RGI C Chandramouli. Highest sex ratio in UT Pondicherry • Census 2011 was the 15th census of India& (1037) 7th census after Independence. Lowest sex ratio in UT Daman and Diu • Total estimated cost of the Census was INR (618) 2200 crore (US$350 million). Child (0-6 years) sex 914 • Total Population estimated - 1,210,569,573 ratio (1.21 Billion). Highest child (0-6) sex Mizoram (971) • India in 2nd rank in population with 17.64% ratio in state decadal growth & China is 1st rank with Lowest child (0-6) sex Haryana (830) decadal growth 19% (over 1.35 billion). ratio in state • Total male Population - [Males - 623.7 million (51.54%)]. Literacy Rate in India • Total Females Population - 586.46 million (48.46%). Males 82.14% • Highest Populated State - Uttar Pradesh Females 65.46% followed by Maharashtra and Bihar. Highest Literacy Kerala (94%) • Least Populated State - Sikkim Rate in State • Highest Populated Union territory - New Lowest Literacy Bihar (61.8%) Delhi Rate in State • Least populated Union Territory - Highest Literacy Lakshadweep (91%) Lakshadweep followed by Daman and Diu Rate in UT • Highest Urban population In India- Lowest Literacy Dadra and Nagar Haveli Maharashtra – 4,11,00,980 Rate in UT (76.24% • Lowest urban Population in India - Lakshadweep – 26,967

30. Rivers, Dams & States

State Name River Name Dantiwada Dam Banas River Sardar Sarovar Narmada Andhra Somasila Dam Pennar River Dam (Narmada River Pradesh Srisailam Dam Krishna River Dam) Gujarat Ukai Dam Tapti River Himacha Bhakra Nangal Sutlej River Dharoi Dam Sabarmati l Dam River Pradesh Kadana dam Mahi River and GA BOOSTER CAPSULE –2019

Punjab Gandhi Sagar Chambal Border Dam River Himacha Pandoh Dam Beas River Maharas Yeldari Dam Purna river l Nathpa Jhakri Satluj River htra Ujani Dam Bhima River Pradesh Dam Pawna Dam Maval River Chamera Dam Ravi River Mulshi Dam Mula River Jammu Baglihar Dam Chenab River Koyna Dam Koyna River and Dumkhar Indus River Jayakwadi Dam Godavari Kashmir Hydroelectric River Dam Bhatsa Dam Bhatsa river Uri Hydroelectric Jhelum River Wilson Dam Pravara River Dam Tansa Dam Tansa river Jharkha Maithon Dam Barakar River Panshet Dam Ambi River nd Chandil Dam Swarnarekha Mula Dam Mula river River Kolkewadi Dam Vashishti Panchet Dam Damodar River River Girna Dam Girana river Karnata Tunga Bhadra Tungabhadra Vaitarna Dam Vaitarna river ka Dam River Khadakwasla Mutha River Linganamakki dam Sharavathi Dam River Gangapur Dam Godavari Kadra Dam Kalinadi river River Telanga Radhanagari Bhogawati Alamatti Dam Krishna River na Dam River Supa Dam Kalinadi or Lower Manair Manair River Kali river Dam Krishna Raja Kaveri River Mid Manair Dam Manair River Sagara Dam and SRSP Harangi Dam Harangi River Flood Flow Narayanpur Dam Krishna River Canal Kodasalli Dam Kali River Upper Manair Manair River Kerala Malampuzha Malampuzha Dam and Kudlair Dam River River Peechi Dam Manali River Singur dam Manjira River Idukki Dam Periyar River Nizam Sagar Dam Manjira River Kundala Dam Kundala Lake Odisha Indravati Dam Indravati Parambikulam Parambikula River Dam m River Hirakud Dam Mahanadi Walayar Dam Walayar River River Tamil Vaigai Dam Vaigai River Mullaperiyar Periyar River Nadu Perunchani Dam Paralayar Dam River Neyyar Dam Neyyar River Mettur Dam Kaveri River Madhya Barna Dam Barna River Uttarakh Tehri Dam Bhagirathi Pradesh Bargi Dam Narmada and River River Dhauli Ganga Bansagar Dam Sone River Dam

31. List of Major Ports in India GA BOOSTER CAPSULE –2019

Name of the Sea Coast State Cochin Western Kerala Ports Coast Haldia Eastern West Bengal Kandla Western Gujarat Coast Coast Paradip Eastern Odisha Mumbai Western Maharashtra Coast Coast Vishakhapatnam Eastern Andhra Jawaharlal Nehru Western Maharashtra Coast Pradesh Coast Chennai Eastern Tamil Nadu Marmugoa Western Goa Coast Coast Ennore Eastern Tamil Nadu Mangalore Western Karnataka Coast Coast Tuticorin Eastern Tamil Nadu Coast

32. Major Atomic/Thermal/Hydro Power Plants

There are 3 major resources through which Rajasthan Atomic Power Rajasthan Power Station runs in India. Station

1. Nuclear Power Plants Thermal Power Plant in India 2. Thermal Power Plants Thermal power is the largest source of power 3. Hydropower Plants in India. There are different types of Thermal power plants based on the fuel used to Nuclear Power Plant in India generate the steam such as coal, gas, and Nuclear power stations are the fourth-largest Diesel. About 65% of electricity consumed in source of electricity in India after Thermal, India are generated by thermal power plants. Hydroelectric and Renewable sources of electricity. As of 2016, India has 21 nuclear Thermal Power Station State reactors in 7 Nuclear Power plants. Some Nuclear Power plants are under construction Singrauli Thermal Power Madhya and some are planned projects which will be Plant Pradesh implemented in future. Ramagundam Thermal Andhra Power Plant Pradesh Atomic Power Station State Dadri Thermal Power plant Uttar Pradesh Talcher Thermal Power Odisha Narora Nuclear Power plant Uttar plant Pradesh Korba Thermal Power plant Chhattisgarh Rawatbhatta Nuclear Power Rajasthan Vindhyachal Thermal Madhya plant Power plant Pradesh Kakarpar Nuclear Power Gujarat Farakka Thermal Power West Bengal plant plant Kaiga Nuclear Power plant Karnataka Mudra Thermal Power Gujarat Kundankullam Nuclear Tamil Nadu plant Power plant Sipat Thermal Power plant Chhattisgarh Kalpakkam Nuclear Power Tamil Nadu Rihand Thermal Power Uttar Pradesh plant plant Tarapur Nuclear Power plant Maharashtra Jharsuguda Thermal Power Odisha plant GA BOOSTER CAPSULE –2019

Tiroda Thermal Power Maharashtra Bhakra Nangal Sutlej Himachal plant Hydro Electric Pradesh Anpara Thermal Power Uttar Pradesh Power plant plant Barauni Thermal Power Bihar Sardar Sarovar Narmada Gujarat plant Hydro Electric Bellary Thermal Power Karnataka Power plant plant Durgapur Thermal Power West Bengal Nathpa Jhakri Sutlej Himachal plant Hydro Electric Pradesh Sikka Thermal Power plant Gujarat Power plant Satpura Thermal Power Madhya plant Pradesh Srisailam Krishna Andhra Wanakbori Thermal Power Gujarat Hydro Electric Pradesh plant Power plant Obra Thermal Power plant Uttar Pradesh Udupi Thermal Power plant Karnataka Indirasagar Narmada Madhya Simhadri Thermal Power Andhra Hydro Electric Pradesh plant Pradesh Power plant

Hydropower Plant in India Sharavathi Sharavathi Karnataka Hydropower is one of the oldest and widely Hydro Electric used renewable sources of energy. India is the Power plant 7th largest producer of hydroelectric power in the world and ranks 3rd worldwide by its Dehar Hydro Beas Himachal total number of dams. Electric Power Pradesh plant

Hydropower City State Kalinadi Hydro Kalinadi Karnataka Station Electric Power plant

Koyna Hydro Koyna Maharashtr Teesta Hydro Teesta Sikkim Electric Power a Electric Power plant plant

Hirakund Mahanadi Odisha Baira-Siul Baira Himachal Hydro Electric Hydro Electric Pradesh Power plant Power plant

Idukki Hydro Periyar Kerala Salal Hydro Chenab Jammu and Electric Power Electric Power Kashmir plant plant

Nagarjuna Krishna Andhra Machkund Machkund Andhra Hydro Electric Pradesh Hydro Electric Pradesh, Power plant Power plant Orissa

Tehri Hydro Bhagirathi Uttarakhan Balimela Hydro Sileru Odisha Electric Power d Electric Power plant plant GA BOOSTER CAPSULE –2019

Subarnarekha Subarnarekh Jharkhand Uttar Hydro Electric a Pradesh Power plant Rangit Hydro Rangit Sikkim Shivanasamudr Kaveri Karnataka Electric Power a Hydro plant Electric Power plant Bansagar Sone Madhya Hydro Electric Pradesh Loktak Hydro Leimtak Manipur Power plant Electric Power plant Uri Hydro Jhelum Jammu and Electric Power Kashmir Rihand Hydro Rihand Madhya plant Electric Power Pradesh,

plant 33. List of Upcoming Sports Venues

Asian Games Commonwealth Games Asian Games 2018 is a Pan India Multi Continental Event. This 18th Asian Games The Commonwealth Games are an international washeld from 18th August – 2nd September 2018. multi-sport event involving athletes from the The Game is also known as Jakarta Palembang Commonwealth of Nations. The event was first 2018. held in 1930 and has taken place every four Sports Venue 2014- Incheon, South Korea years since then. Sports Venue 2018- Jakarta, Palembang, Venue of CWG 2014 - Glasgow, Scotland Indonesia Venue of CWG 2018 – Gold Coast, Australia Sports Venue 2022- Hangzhou, China Venue of CWG 2022- Birmingham, England Sports - 69 Gold – 15 Silver - 24 Bronze - 30 & Sharan Deepak Divij Kumar, Abhishek Saurabh Sanjeev Verma, Shooting – Chaudhar Santosh Rajput, Apurvi 9 y, Rahi Kumar, Surya Lakshay, Chandela, Sarnobat Bhanu Pratap, Shardul Ravi Kumar Wushu -4 - - Narender Vihan Grewal, Bajrang Roshibina Wrestling Punia, - Divya Kakran Devi – 3 Vinesh Kabaddi – Women's Phogat - Men's Team 2 Team Sepaktakra Men’s Team Dushyant, Me - - Men's w - 1 Regu n's Quadrupl Mixed Rowing – 3 - Lightweight Ankita e Sculls Double Double Sculls Raina, Prajnes Team Tennis – 3 Team - - Team h Rohan Prabhakaran Bopanna GA BOOSTER CAPSULE –2019

Muhamm Saurav ed Anas, Ghosal, Dharun Joshana Women's Ayyasamy Squash - 5 - Chinappa, Tajinderp Team , Dutee Dipika al Singh, Chand in Pallikal, Men's Neeraj both Team Chopra, 100m & Manjit Men's Men's Team, 200m, Bridge - 3 - Singh, Pair Mixed Team Hima Das, Arpinder Seema Punia, Athletics - Sudha Badminton P V Singh, Chitra - Saina Nehwal 19 Singh, - 2 Sindhu Jinson Unnikrishnan Neena Jhonson, Men's Varakil, Swapna Archery – Team and Jinson - Barman, 2 Women's Jhonson, Women's Team Mixed 400m Men's Team, 400m Table Relay. - - Mixed Relay, Tennis- 2 Doubles Men's Pincky Malaprabha 400m Kurash – 2 - Relay Balhara Yallappa Harshita Fouaad 49er FX Mirza, Tomar, 49er Equestrian Sailing - 3 - Women's - Men's - FX Men's - 2 Team Eventing Team Team Women's Hockey - 2 - Men's Team Team Boxing - 2 Amit Vikas Krishan

Olympics Games

Sports Gold – 3 Silver – Bronze – Judo – Tababi – 13 9 1 1 Devi (44 kg)

Shootin Manu Tushar Weightl Jeremy g – 4 Bhaker(10 Mane (B ifting – Lalrinnung m Air oy’s 1 a(Boy’s 62 Pistol) 10m Air kg) Saurabh Rifle) Chaudhary Mehuli (10m Air Ghosh ( Badmin Lakshay Pistol) Girl’s ton – 1 a 10m Air Sen (Bo Rifle) GA BOOSTER CAPSULE –2019

ys’ Archer Akash singles) y – 1 Malik (Boy’s recurve)

Wrestli Simran( ng – 1 Girls’ Indian Premier League 10m 43kg Season 1: Rajasthan Royals freestyle Season 2: Deccan Chargers ) Season 3: Chennai Super Kings Season 4: Chennai Super Kings Season 5: Kolkata Knight Riders Season6: Mumbai Indians Athletic Suraj Praveen Season7: Kolkata Knight Riders s – 2 Panwar Chitravel Season8: Mumbai Indians. (Boy’s (Boy’s Season9: Sun risers Hyderabad 5000m Triple Season10: Mumbai Indians Walk) Jump) Season11: Chennai Super Kings Season12: Mumbai Indians

Hockey India’s Pro Kabaddi League – 2 Men Season 1: Jaipur Pink Panthers Team Season 2: U Mumba Season 3: Patna Pirates Season 4: Patna Pirates. Season 5: Patna Pirates India’s Season 6: Bengaluru Bulls

Women Indian Super League(ISL) Team Season1 (2014): ATLETICO KOLKATA. Season 2 (2015): CHENNAIYIN. Season 3 (2016): ATLETICO KOLKATA. Season 4 (2017): CHENNAIYIN. KERALA BLASTERS have been the Runners –Up twice for the ISL games. 34. List of New Appointments

Person Post Vipin Anand Managing Director of LIC MD Karnam MD & CEO of Indian Sekar Overseas Bank David Malpass President of the World Bank. Vijay Chandok MD And CEO Of ICICI Securities. GA BOOSTER CAPSULE –2019

Kaushik Shaparia CEO For Deutsche Bank Kamal Nath CM of Madhya Pradesh (India) Zoramthanga CM of Mizoram

Hemant Non-Executive Bhargava Chairman of IDBI bank Ramphal Pawar Director of National Crime Records Bureau (NCRB) Brijendra Pal President of Film and Singh Television Institute of India Non-executive Chairman of Hasmukh Adhia (FTII) Society BOB Rajiv Mehrishi Vice-Chair of the United Nation's Panel of Auditors Shaktikanta Das RBI Governor P V Bharathi CEO Of Corporation Bank. Arundhati Chairman of SWIFT Bhattacharya (Society for Worldwide Interbank Financial Telecommunication) Ashu Khullar CEO of CITI Bank India. Krishnamurthy Chief Economic Advisor Subramanian (CEA) Madhavi Divan Additional Solicitor General (ASG) Uday Shankar Vice-President of FICCI Rakesh Makhija Non-Executive Chairman of Axis Bank Srinivas Kandula Chairman of Capgemini

Pranab Kumar Chairman of CBIC Das V Vaidyanathan MD and CEO of IDFC First Nilanjan Roy CFO of Infosys Bank Rajeev Mehta President of the South Asian Fencing Federation (SAFF) Ravneet Gill MD & CEO of YES Bank Sangeeta Verma Member of Competition Commission of India (CCI) Brahm Dutt Non-Executive Part-Time Ambika Prasad CMD of South Eastern Chairman. Panda Coalfields Limited (SECL). Pranav R Mehta President of Global Solar PV Bharathi MD-CEO of Corporation Council (GSC) Bank Gita Gopinath Chief Economist at IMF

Kumar Rajesh Director General of the Raninder Singh Vice-Presidents of the Chandra Sashastra Seema Bal (SSB). International Shooting Sports Federation (ISSF) Vinod Kumar Chairman of Railway Board Yadav B Radhakrishnan CJ of Telangana HC

A.S. Rajeev MD & CEO of Bank of Sudhir Bhargava Chief Information Maharashtra Commissioner in the CIC. Ajay Narayan Jha Finance Secretary of GoI Jaideep Govind Secretary General of NHRC

Jon Ridgeon CEO of International TCA Anant & Member of UPSC Association of Athletics Rajiv Nayan Federations (IAAF) Choubey Bhupesh Baghel CM of Chattisgarh Manu Sawhney CEO of ICC

Ashok Gehlot CM of Rajasthan V Vaidyanathan MD and CEO of IDFC First Bank GA BOOSTER CAPSULE –2019

Juan Guaido President of Venezuela Parthasarathi MD of Mukherjee Rishi Kumar CBI Director Ravneet Gill CEO of Yes bank

35. National Parks & Wildlife Sanctuaries

State National Wildlife Rajgir Park Sanctuary Wildlife Sanctuary Andaman & Campbell Barren Chhattis- Indravati Bhairam- Nicobar National Park Island garh National Park garh Wildlife Wildlife Sanctuary Sanctuary Guru Ghasidas National Park Sir Hugh Goa Bhagwan Bondla Rose Island Mahavir Wildlife Wildlife National Park Sanctuary Sanctuary Andhra Sri Venkates- Krishna Salim Ali Pradesh wara National Wildlife Bird Park Sanctuary Sanctuary Gujarat Gir forest Indian Wild Papikonda Kolleru Lake national park Ass National Park Sanctuary Arunachal Namdapha Dibang Blackbuck Pradesh National Park Wildlife National Park Kutch Desert Sanctuary Wildlife Mouling Marine Sanctuary National Park Talley Valley National park Wildlife Jammu & Dachigam Karakoram Sanctuary Kashmir National Park Wildlife Assam Dibru Sonai Rupai Sanctuary Saikhowa Wildlife Hemis National Park Sanctuary National Park Hirpora Wildlife Kaziranga Pabha Sanctuary National Park Wildlife Sanctuary Manas Dipor Bil Jharkhand Betla National Palamau National Park Wildlife Park Wildlife Sanctuary Sanctuary Orang National Park Dalma Bihar Valmiki Gautam Wildlife National Park Buddha Sanctuary Wildlife Karnataka Anshi National Ghatapra- Sanctuary Park bha Wildlife Sanctuary Bandipur National Park GA BOOSTER CAPSULE –2019

Bhimgad Odisha Bhitarkanika Chilika Bird Bannerghatta Wildlife National Park Sanctuary National Park Sanctuary Simlipal Sharavathi National Park Valley Punjab - Abohar Wildlife Wildlife Sanctuary Sanctuary Kerala Periyar Parambi- National Park kulam Harike Lake Wildlife Wildlife Anamudi Sanctuary Sanctuary National Park Rajasthan Desert Mount Abu Malabar National Park Wildlife Wildlife Sanctuary Sanctuary Keoladeo Madhya Van Vihar Bori Wildlife National Park Sariska Pradesh National Park Sanctuary Tiger Rantham-bore Reserve Kanha Kisli Ken Gharial National Park National Park Sanctuary Darrah Gandhi National Park Fossil Sagar Sikkim Kanchend- Kyongnosla National Park Sanctuary zonga Alpine National Park Wildlife Bandhavgarh Sanctuary National Park Tamil Nadu Gulf of Point Maharashtra Chandoli Great Indian Mannar Calimere National Park Bustard National Park Wildlife Wildlife Sanctuary Sanjay Gandhi Sanctuary Palani Hills National Park National Park Phansad Tadoba Wildlife Mudumalai National Park Sanctuary National Park Telangana Mahavir Eturnag- Pench Koyna Harina aram National Park Wildlife Vanasthali Wildlife Sanctuary National Park Sanctuary Manipur Keibul Lamjao - National Park Pranahita Wildlife Balphakram Sanctuary National Park Tripura Bison National - Meghalaya Nokrek - Park National Park Mizoram Phawngpui Dampa Tiger Clouded Blue Mountain Reserve Leopard National Park National Park Nagaland Intanki - National Park GA BOOSTER CAPSULE –2019

Uttarakhand Valley of - Uttar Dudhwa Kaimur Flowers Pradesh National Park Sanctuary National Park Okhla Bird Rajaji National Sanctuary Park West Bengal Neora Buxa Tiger National Park Reserve Nanda Devi National Park Murti Wildlife Jim Corbett Sanctuary National Park

36. Important Days

SEPTEMBER International Day of Non- Date Day Theme Violence The right to National education 1st World Nutrition - 5th means the September Teachers' Week October right to a 5th Teachers’ Day - qualified September Day teacher Literacy and 8th International 9th World Post skills - September Literacy Day October Office Day development. Young people World Keep Cool and 10th and mental Mental 16th World Ozone Carry on: October health in a Health Day September Day Montreal changing world Protocol Science and International With Her: A 11th 21st Alzheimer’s technology for Day of the Skilled Girl October September Day a sustainable Girl Child Force future It's in your 12th World Tourism and hands, take October Arthritis Day 27th World the Digital action September Tourism Day Transformatio International n 13th Day for 29th World Heart - - October Disaster September Day Reduction OCTOBER Sustainable infrastructure, Date Day Theme services and Celebrating International International social Older Human 15th 1st October Day for the Day of Rural protection for Rights October Elderly Women gender champions equality and 2ndOctobe Gandhi - the r Jayanthi/ empowerment GA BOOSTER CAPSULE –2019

of rural women World and girls 10th Science Day Science, a 16th World Food Our Actions November for Peace and Human Right October Day Are Our Future Development World Children’s 14th The Family and 24th Development Eliminate Day/Diabete November Diabetes October Information Hepatitis s Day Day/UN Day International 16th Day for November NOVEMBER Tolerance When nature Date Day Theme 19th World Toilet 5th World calls, we need a - November Day November Tsunami Day toilet 26th Constitution

November day

37. Joint Military Exercises

Name of Countries Place Coordinated India and Chittagong, Exercise Patrol Bangladesh Bangladesh (CORPAT) Cobra Gold United Thailand Malabar India, US Guam, Western Military States, and Japan Pacific Pacific Exercise Thailand, Ocean. Singapore, Harimau India and Hulu Langat South Shakti Malaysia forest, Malaysia Korea, Varuna India and Phase- I: Indonesia, France Mormugao Port Japan and Trust Malaysia (MPT),Vasco da AMAN-19 45 nations Pakistan Gama, Goa Aviaindra India and Jodhpur, India Phase –II: 2018 Russia Chennai coast SHINYUU Phase-III: La Maitri-18 Reunion Island IMBEX India and Haryana, India Surya Kiran India and Pithoragarh, 2018-19 Myanmar XIII Nepal India INDRA Indo-Russia Visakhapatnam Lamitye VIII India and Mahe, NAVY 2018 Armed coast, Andhra Seychelles Seychelles Forces Pradesh Shakti IV India and Mailly – le – SHINYUU India and Agra, India France Camp. France Maitri-18 Japan Vajra Kayaa India and Joint Base Konkan- Indian Navy Goa, India US Lewis- 2018 and the McChord, Royal Navy United States of United Vinbax 1 India and Jabalpur in Kingdom Vietnam Madhya Pradesh GA BOOSTER CAPSULE –2019

Hamesha Southern Rajasthan Maitree Indian Himanchal Vijayee Command Army and Pradesh, India Ekuverin India and Belgaum, India Royal VIII Maldives Thailand Ajeya India and Mahajan Firing Army Warrior UK Range, India Thar Shakti X Corps Rajasthan, Danx 50 Andaman & India Parachute Nicobar NOMADIC India- Mizoram, India Brigade Islands, India ELEPHANT Mongolian Sampriti VII India and Shillong, India Military Bangladesh Exercise PRABAL India And Himachal Bold India and Madhya DOSTYK Kazakhstan Pradesh, India Kurukshetra Singapore Pradesh, India Army AL-NAGAH- Oman And Himachal MITRA India - Sri Pune, India II Indian Pradesh, India SHAKTI Lanka Army Army YUDH United Washington, US Khanjar IV India and Kok Jhangak, ABHYAS States And Kyrgyzstan Kyrgyzstan Indian Army

38. Reports & Indices

Report/ Publis- HQ Rank World United 133 Index hed by Happiness nations Report sustaina ble Ease of Doing World Washin 77 develop Business Bank gton DC ment Report solution network International US US 44 Intellectual chamber World Internat Geneva, 1 Property Index of Migration ional Switzer Commer Report Migratio land ce n Global Organis innovati ation on Policy Global World 58 Centre Competitivene Economi ss Index c Forum Global Gender World Switzer 108 Gap Index economi land Environmental World Switzer 177 c forum Performance Economi land Index c Forum Gender Parity UNESCO Paris, 108 Index France Global Hunger Internat Washin 103(2 Index ional gton 017) Food GA BOOSTER CAPSULE –2019

Policy World Internat Lausan 45 Researc Competitivene ional ne, h ss Ranking Institute Switzer 2018 for land Inclusive Econo- - 47 Manage Internet Index mist ment Intellig- Develop ence ment Unit Global Peace Institute 136 World Press Reporte France 138 Index 2018 for Freedom Index rs Economi without cs & Border Peace

Foreign Direct AT 11 Energy World Cologn 78 Investment Co Kearney Transition Economi y, nfidence Index Index c Forum Switzer 2018 land

39. Classical Folk Dances

Classical Dance Rasleela Uttar Pradesh

Dance State Bihu Assam

Fugdi Goa Bharatanatyam Tamil Nadu Garba, Dandiya Raas Gujarat Manipuri Manipur Raut Nacha Chhattisgarh Odissi Odisha Maach Madhya Pradesh Kuchipudi Andhra Pradesh Thang Ta Manipur Kathakali Kerala Dumhal, Rauf Jammu and kashmir Kathak Uttar Pradesh Nati Himachal pradesh Sattriya Assam Giddha, Bhangra Punjab Mohiniyattam Kerala Ghumura Odisha

Folk Dance Lavni Maharashtra

Ghoomar, Kalbelia Rajasthan Dance State Puli Kali Kerala GA BOOSTER CAPSULE –2019

Chhau West Bengal

40. Stock Exchanges Around the World

Stock Exchange Country Hong Kong Stock Exchange Hong Kong Located NASDAQ USA Bombay Stock Exchange India Tokyo Stock Exchange Japan National Stock Exchange of India London Stock Exchange UK India

Euronext European Union Bombay Stock Exchange has become the India’s first exchange to be designated as a B3 Brazil Designated Offshore Security Market by US Shanghai Stock Exchange China security and exchange Commission.

41. Nick Names of Cities

Nicknames Cities Blue City Jodhpur Orange city Nagpur City of Pearls Hyderabad Cotton City Akola Silicon Valley of India Bengaluru Land of Litchi Muzaffarpur Venice of East Alappuzha Queen of Arabian Sea Kochi Mini Bombay Indore City of Black Diamonds Dhanbad Manchester of East Kanpur Sandalwood City Mysore Athens of East Madurai

42. International Organisations & Headquarters

International Headed by HQs World Trade Roberto Azevedo, Geneva, Organization Organisation Director-General Switzerla nd United Nations Antonio Guterres, New York, UNESCO Audrey Azoulay, Paris, Organisation Sec-General U.S Director-General France International Christine Washingt New K. V. Kamath, Shanghai, Monetary Lagarde, MD on D. C, Development President China Fund Columbia Bank, BRICS World Bank Jim Yong Kim, Washingt Asian Jin Liqun, Beijing, President on D. C, Infrastructure President China Columbia Investment Bank GA BOOSTER CAPSULE –2019

International Abdulqawi Peace International Thomas Bach, Lausanne, Court of Ahmed Yusuf, Palace,Net Olympic President Switzerla Justice President herlands Committee nd UN General Miroslav Lajcak, New York, International Yukiya Amano, Vienna, Assembly President U.S Atomic Energy Director-General Austria Asian Takehiko Nakao, Mandaluy Agency Development President ong, North Atlantic Jens Stoltenberg, Brussels, Bank Philippine Treaty Sec-General Belgium s Organization, World Health Tedros Adhanom Geneva, NATO Organistaion Ghebreyesus, Switzerla ASEAN Lim Jock Hoi, Sec- Jakarta, Director-General nd General Indonesia SAARC Amjad Hussain B Kathmand Sial, Sec-General u

43. Famous Temples

Temple Year Place Built By Vishwanat Uttar h Pradesh Virupaksh 7th Hampi, Queen Lord 1611 Puri, Indrady- a Centu Karnataka Lokhama- Jagannath Odisha umna Temple ry hadevi Temple Meenakshi 1623 Madurai Vishwana Vaishno – Jammu – Temple - Tamil ntha Devi 1655 Nadu Nayakar Temple CE Somnath – Gujarat Moon Ramanath 7th– Rameshwa Pandya & God a 8th ram Jaffna Shirdi Sai 1922 Shirdi, – swamy centu Island, Kings Baba Maharasht Temple ry Tamil Temple ra Nadu Badrinath 9th Uttarakha Adi Suchindra 17th Kanyakum Nambudir centu nd Shankara m centu ari, i ry Temple ry Tamil Brahmins C.E Nadu Kedarnath 8th Garhwal Pandavas Vitthala 15th Hampi, King centu area Temple centu Karnataka Devaraya ry Uttarakha ry II nd Brihadesh 11th Thanjavur, Raja Raja Konark 13th Odisha Narasimh wara centu Tamilnand Chola Sun centu a Temple ry u I Temple ry deva Airavates 12th Darasura Rajaraja Sanchi 3rd Raisen, Asoka wara centu m Chola Stupa centu Madhya Temple ry II ry Pradesh Venkatesw 300 Tirumala, King BC ara AD Andhra Thondaim Siddhivina 18th Prabha – Temple Pradesh an yak centu Devi, Kashi 1780 Varanasi, Ahilya Bai Temple ry Mumbai GA BOOSTER CAPSULE –2019

The 1577 Amritsar, Guru Amarnath – Jammu Natural Golden Punjab Ram Das Cave and formation Temple Temple Kashmir Mahabodh 3rd Bihar Ashoka Yamunotri 19th Uttarkashi Maharani i centu Temple centu , Gularia Temple ry ry Uttarakha B.C nd Kamakhya 8th- Nilachal – Gangotri 18th Uttarkashi Amar Temple 17th Hill, Temple centu , Singh centu Guwahati ry Uttarakha Thapa ry nd

44. Stadiums in India

Name City/Location Guru Nanak Stadium Ludhiana JSCA International Cricket Ranchi Baichung Stadium Namchi Stadium Bakshi Stadium Srinagar Kanchenjunga Stadium Siliguri Barabati Cuttack Lal Bahadur Shastri Hyderabad Barkatullah Khan Jodhpur M. Chinnaswamy Bangaluru Barkatullah University Bhopal Ma Chidambaram Chennai Stadium New Bangalore Football Bangalore Biju Patnaik Hockey Rourkela Stadium Stadium Punjab Cricket Association Mohali Birsa Munda Athletics Ranchi IS Bindra Stadium Brabourne Mumbai Salt Lake Stadium Kolkata Buddh International Circuit Greater Noida Sardar Vallabhbhai Patel Ahmedabad Cooperage Football Stadium Mumbai Stadium Dhyan Chand National Delhi Sawai Mansingh Jaipur Dy Patil Navi Mumbai Sector 42 Stadium Chandigarh Eden Gardens Kolkata Sher-i-Kashmir Stadium Srinagar East Coast Railway Stadium Bhubaneswar Vidarbha Cricket Nagpur Feroz Shah Kotla Delhi Association Stadium Green Park Stadium Kanpur Wankhede Mumbai Guru Gobind Singh Stadium Nanded

45. Boundary Lines

• Radcliffe Line - This is the boundary line • Hindenburg Line - This is the boundary between India and Pakistan. It was dividing Poland and Germany. drawn by Sir Cyril Radcliffe on 17th August 1947 because of the separation • McMahon Line - It is the boundary line between the two countries. between India and China and it was drawn by Sir Henry McMahon. • Durand Line - This demarcates the boundary of Pakistan and Afghanistan. • Marginal Line - This line was drawn up by General Mannerheim between GA BOOSTER CAPSULE –2019

Russia-Finland border. It is a 320-km • Mason-Dixon Line - It is a line of line of fortification. demarcation between four states in the United State. • Maginot Boundary Line - This boundary line demarcates France and Germany • Siegfried Line - It is the boundary between Germany and France. • Oder-Neisse Line - This line was drawn between Poland and Germany after the • 24th Parallel - Pakistan feels that this Second World War should be the actual line between India and Pakistan. However, India does not • 8th Parallel - It is the boundary between approve of this. North and South Korea. • 17th Parallel - It defined the boundaries • 49th Parallel - This represents the between North and South Vietnam boundary between Canada and USA. before they unit • Mannerheim Line - This line demarcates Russia and Finland.

46. Books & Authors

Authors Books Cricket in India' Mool Chand Sharma Law, Justice & Stephen Hawking "Brief Answers Judicial Power to the Big Malala Yousafzai We are Questions" Displaced Vijayan Bala Indian Sports: Brigadier (Retd) Prince, Patron, Conversations Sukhjit Singh and and Patriarch - and Cynthia Meera Maharaja Reflections Frederick. Jagatjit Singh Rima Hooja "Maharana of Kapurthala Pratap: The Arvind Subramanian Of Counsel: Invincible The Challenges Warrior" of the Modi- Paramveer Parwane Prabhakiran Jaitley Jain Economy Across the bench - Vice Admiral Anup Blue Waters Insight into Indian Singh Ahoy! Military Judicial Dr Rajesh Bhat Radio Kashmir System Gyan Bhushan – In Times of Imperfect Sanjay Peace & War Manjrekar Krishna Trilok 'Notes of a Bollywood: "The Dream: The Films", "The Songs", Amitabh Authorized "The Stars" Bacchhan Biography of The Diary of a AR Rahman', Domestic Diva Shilpa Shetty Karunya Keshav and 'The Fire I Do What I Do Raghuram Sidhanta Pathak Burns Blue: A Rajan History of Immortal India Amish Tripathi Women's GA BOOSTER CAPSULE –2019

How India Sees the Beyond Doubt: A World Shyam Saran Dossier on Gandhi's Teesta The Shershah of Assassination Setalvad Kargil Deepak Surana Sleeping on Jupiter Anuradha Roy Kadwe Vachan Tarun Sagar Flood Of Fire Amitav Ghosh Maharaj How to be Both Ali Smith I am HIV Positive. So Sourav Ganguly: What? Jayanta Lalita Cricket, Captaincy and Saptarshi Cyptocurrency for Amit Controversy Sarkar Beginners Bharadwaj The Red Sari Javier Moro Making of a Legend Bindeshwr Farishta Kapil Isapuri Pathak Modi - Incredible Unstoppable: My Life Maria emergence of a star Tarun Vijay So Far Sharapova Radio Kashmir – In Dr Rajesh Bhat Dalhousie Through Times of Peace & War my Eyes Kiran Chadha 'Notes of a Dream: Krishna Trilok Playing With Fire Katie Price The Authorized The Ministry Of Biography of AR Utmost Happiness Arundhati Roy Rahman', Crisis Within Ganesh Devy 'The Fire Burns Blue: Karunya Indira Gandhi - A life A History of Women's Keshav and In Nature Jairam Ramesh Cricket in India' Sidhanta Beren and Luthein J.R.R Tolkein Pathak "Yug Purus, Bharat Ramesh "Brief Answers to the Stephen Ratna, Atal Ji" Pokhriyal Big Questions" Hawking One Life is not enough Natwar Singh Indian Sports: Vijayan Bala Transcendence: My APJ Abdul Conversations and Spiritual Experiences Kalam & Arun Reflections with Pramukh Swamij Tiwari "Maharana Pratap: Rima Hooja Red Tape to Red The Invincible Carpet…and then Warrior" some Gina Rinehart

47. Nobel Prize Winners 2018

Field Winners Description Gerard For their Mourou method of Medicine James P. For the & generating or Allison discovery of Donna high-intensity, Physiology & cancer therapy Strickland ultra-short Tasuku Honjo by inhibition of optical pulses negative Chemistry Frances For the immune H. Arnold directed regulation evolution of Physics Arthur For the optical enzymes Ashkin tweezers and George P. For the phage their Smith display of application to & peptides and biological Gregory P. antibodies systems Winter GA BOOSTER CAPSULE –2019

Peace Denis For their efforts into the long- Mukwege to end the use run & of sexual macroeconomic Nadia Murad violence as a analysis weapon of war William D. For integrating and armed Nordhaus climate change conflict into the long- Economic Paul M. For integrating run Sciences Romer technological macroeconomic innovations analysis

48. UNESCO World Heritage Site

Name of sites Year Location Churches and 1986 Goa Convents of Goa Ajanta Caves 1983 Maharashtra

Monuments 1986 Madhya Ellora Caves 1983 Maharashtra of Khajuraho Pradesh

Agra Fort 1983 Uttar Pradesh Monuments 1986 Karnataka of Hampi

Taj Mahal 1983 Uttar Pradesh Fatehpur Sikri 1986 Uttar Pradesh

Sun Temple 1984 Orissa Elephanta Caves 1987 Maharashtra

Mahabalipuram 1984 Tamil Nadu Monuments Great Living 1987 Tamil Nadu Chola Temples

Kaziranga 1985 Assam National Park Pattadakal 1987 Karnataka Monuments

Keoladeo 1985 Rajasthan National Park Sundarbans 1987 West Bengal National Park

Manas 1985 Assam Wildlife Sanctuary Nanda Devi & 1988 Uttarakhand Valley of Flowers National Park GA BOOSTER CAPSULE –2019

Monuments of 1989 Sanchi, Jantar Mantar 2010 Rajasthan Buddha Madhya Pradesh

Humayun’s Tomb 1993 Delhi Western Ghats 2012 Karnataka, Kerala, Tamil Nadu, Qutub Minar 1993 Delhi Maharashtra

Mountain Railways 1999 Darjeeling Hill Forts 2013 Rajasthan of Darjeeling, Kalka (West Shimla & Nilgiri Bengal), Kalka Shimla Rani Ki Vav 2014 Gujarat (Himachal (The Queen’s Pradesh), Stepwell) Nilgiri (Tamil Nadu) Great Himalayan 2014 Himachal National Park Pradesh Mahabodhi Temple 2002 Bihar

Nalanda 2016 Bihar Bhimbetka 2003 Madhya Rock Shelters Pradesh Khangchendzonga 2016 Sikkim National Park Chhatrapati 2004 Maharashtra Shivaji Terminus Architectural Work 2016 Chandigarh of Le Corbusier Champaner- 2004 Gujarat Pavagadh Archaeological Park Historic City 2017 Ahmedabad

Victorian Gothic and 2018 Mumbai Red Fort 2007 Delhi Art Deco Ensembles